Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding an issue I experienced with exquifax related to dispute debts. On or about XX/XX/XXXX, I experienced the following issue : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Placed for Collection Under the Fair Credit Reporting Act ( FCRA XXXX & XXXX ), I have the right to request verification of any information reported on my credit file. I demand that this account be deleted immediately unless you provide complete and verifiable documentation proving : 1 The original signed agreement or contract showing my responsibility for this debt. 2 XXXX XXXX legal authority to collect this account. 3 A full accounting of charges, payments, and collection activity. As of today, I have received no verification that this account is valid. Therefore, this account is inaccurate, incomplete, and unverifiable, and must be deleted from my credit report immediately, as required under FCRA 611 ( a ) ( 5 ). 1 XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXOriginal Creditor : XXXX XXXX XXXX.Account Type : Factoring Company AccountBalance : $ XXXXDate Opened : XX/XX/XXXX 2 XXXX XXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX These accounts are listed as collection accounts and marked as Account information disputed by consumer ( FCRA ) and Placed for Collection. I am requesting a full investigation of these accounts. Pursuant to my rights under the Fair Credit Reporting Act, I am requesting that you : Verify the accuracy of this debt, including the original signed agreement bearing my signature. Provide proof that the reporting agency and furnisher have complied with all FCRA requirements. Verify the complete and accurate payment history. Confirm the date of first delinquency. Provide documentation that these companies have the legal right to collect this debt. Creditor : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXXAccount Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : $ XXXXAccount Type : Factoring Company AccountStatus : Collection / Placed for Collection This account is being reported as an open factoring company account with a balance of {$1000.00}. I do not recall entering into any agreement with XXXX XXXX XXXX, nor have I received proper validation of this alleged debt. Additionally, the reporting of this account contains inconsistencies that require verification. Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you : 1 Conduct a reasonable investigation of this account. 2 Provide verification of the original signed contract bearing my signature. 3 Provide a complete payment history from the original creditor. 4 Verify the date of first delinquency. 5 Confirm XXXX XXXX XXXX legal authority to collect on this alleged debt. Account Number : XXXX Account Type : Debt Buyer Status : Collection account with a balance of {$1300.00} past due I do not believe this account is being reported accurately or completely, and I am requesting a full investigation into this matter pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1 Verify the original creditor and provide documentation showing that I am legally obligated to this debt. 2 Provide proof that the reporting collection agency has the legal right to collect on this account. 3 Confirm the accuracy of the balance, including any fees or interest applied. 4 Verify the dates associated with this account, including the date opened and any reported delinquency dates. I took the following actions to try to resolve the issue : On XX/XX/XXXX, I contacted the company by mail an have the stamps for verified mail to make sure it was received.

Company response to consumer: Closed with explanation