Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX. XX/XX/XXXX, Equifax and XXXX  posted the collection account initiated by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, original amount owed : {$960.00}. 
XXXX. XXXX XXXX XXXX sent to my attention multiple collection letters. 
XXXX. XXXX XXXX XXXX  collection request was properly disputed within 30 days. 
XXXX. XXXX XXXX XXXX blatantly ignored multiple letters from me with demand to provide verification of debt. It is a direct violation of " Fair Debt Collection Practices Act 808 ( b ) Disputed debts ''. Fair Debt Collection Practices Act 808 ( b ) clearly stated : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, ... the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt ''. ( Emphasis mine ). 
XXXX. XXXX XXXX XXXX obtained no verification of debt requested by me. 
XXXX. XXXX XXXX XXXX provided no appointment ( XXXX ) date ( XXXX ) for medical treatment, no written permission given from me to the original creditor to perform medical service. 
XXXX. XXXX XXXX XXXX provided no information about any filings, receivables or declined payment for medical treatment claimed by the original creditor to my medical insurance policy. 
XXXX. XXXX XXXX XXXX provided no information about any supplemental charges requested by the original creditor. 
XXXX. Collection actions actuated by XXXX XXXX GRVL are invalid, because XXXX XXXX XXXX knowingly violated the Fair Debt Collection Practices Act. 
XXXX. Collections of information provided by XXXX XXXX XXXX were posted by your agency ( XXXX ) credit report on XX/XX/XXXX, and removed at my request after Equifax and Transunion issued a decision XX/XX/XXXX. 
XXXX. XX/XX/XXXX, and XX/XX/XXXX, Equifax and Transunion posted the collection account initiated by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TN XXXX. Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, original amount owed : {$960.00}. Posting about collection was not provided as XXXX of debt as medical. Later Original creditor name was replaced with XXXX XXXX XXXX. 
XXXX. The creditors name and amount of debt are absolutely the same as the creditor previously used by XXXX XXXX XXXX and removed by my request. 
XXXX. XXXX XXXX XXXX XXXX never sent to my attention collection letters or any other request to pay a debt. XXXX XXXX XXXX XXXX never contact me about unpaid debt by any means. 
XXXX. I had no chance to properly dispute the debt. It is a direct violation of " Fair Debt Collection Practices Act 808 ( b ) Disputed debts ''. Fair Debt Collection Practices Act 808 ( b ) clearly stated : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, ... the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt ''. 
XXXX. I dispute the collection account posted by Equifax and TransUnion on behalf of XXXX XXXX XXXX XXXX. 
XXXX. In my dispute I emphasize the violation of the Fair Debt Collection Practices Act by XXXX XXXX XXXX XXXX and provide information of similarity between collection requests from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
XXXX. Last communication by XXXX Certified letter with Equifax and XXXX  was XX/XX/XXXX. 
XXXX. My request was answered by Equifax and XXXX. Proof of debt was not provided. The reason for decision to continue to publish improper collection information was provided as Confirmed by debtor. 
XXXX. During the year XXXX my medical expenses were covered by private medical insurance company. All medical invoices for the year XXXX were properly paid by medical insurance. 
XXXX. Collection Information still posted by Equifax and XXXX  as of today, XX/XX/XXXX : XXXX XXXX XXXX  Last reported XX/XX/XXXX {$960.00} Open balance XXXXXXXX XXXX XXXX Original creditoXXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX AND XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$960.00} Open balance XXXX & XXXX Original creditor XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXXXXXX XXXX XXXXXXXX Please help me to remove improper Collection information from my credit reports.

Company response to consumer: Closed with explanation