Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Alleged Debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is to inform you that I am formally disputing the validity, accuracy, and legal standing of the alleged debt you claim I owe, as reported on my credit file. This is a demand for debt validation and a warning to cease all collection activity until you comply with applicable federal laws under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

NOTICE OF DISPUTE & DEMAND FOR VALIDATION Pursuant to 15 U.S. 1692g ( b ), I hereby request full and complete validation of this alleged debt. You are required to cease all collection efforts, including reporting to any credit bureaus, until you provide all of the following : 1. A signed contract or agreement bearing my signature * * that proves my liability ; 2. Proof that you own or were assigned the debt and have legal authority to collect it ; 3. A full itemized breakdown * * of the \ {$640.00} balance including all fees and interest ; 4. The name and address of the original creditor * * and documentation of the original account ; 5. Evidence of your debt collection license for my state ; 6. A copy of the complete chain of title of the alleged debt. 

YOU LACK A CONTRACTUAL RELATIONSHIP I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX You are a third-party debt collector, not the original creditor. No lawful obligation exists between us, and under * * basic contract law, no one can enforce an agreement they were not a party to unless explicitly assignedand proven with documentation.

VIOLATION OF FEDERAL LAW Your reporting of this unverified and disputed debt to the credit bureaus constitutes a violation of the FCRA, 15 U.S.C. 1681s-2, which mandates that all information furnished to consumer reporting agencies be complete and accurate. Continuing to report this debt without verifying its accuracy and ownership after being notified of this dispute is willful noncompliance and is actionable.

Under the FDCPA, continuing collection activity without validating this debt also violates 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

DEMAND FOR IMMEDIATE ACTION You are hereby directed to : Cease all collection activity on this account until validation is provided, Immediately delete the account from all consumer reporting agencies, Provide written confirmation of account closure and deletion within 30 days. 

If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue legal remedies for your violations, including monetary damages. 

All future communication regarding this matter shall be in writing. Phone calls are not authorized and will be recorded as harassment. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief