Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Validation Request Unrecognized Collection Account : XXXX XXXX XXXX {$18000.00} Dear Equifax Dispute Department, I am writing to formally dispute the accuracy, validity, and legal reporting of the following collection account currently appearing on my Equifax credit report : XXXX. XXXX XXXX XXXX {$18000.00} I do not recognize this account as mine. I have never received proper validation or lawful communication from XXXX XXXX, and I suspect this account may be erroneous or potentially the result of identity theft. Accordingly, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and demand a full reinvestigation and permanent deletion of this account unless it can be properly and lawfully verified. 

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) : Debt collectors must cease all collection and reporting activities upon receiving written notice of a dispute unless proper validation is provided.

15 U.S.C. 1692g : Requires written notice of the debt and full validation upon consumer request.

Regulation F ( 12 CFR Part 1006 ) : Requires itemized disclosures, lawful notice, and collector accountability. 
31 U.S.C. 5118 : Prohibits enforcement and reporting of debts that lack lawful origination, contract, or substantiation.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy of all reported information.

15 U.S.C. 1681i : Mandates reinvestigation of disputed accounts and deletion of unverifiable or inaccurate data within 30 days. 

Debt Validation Request : Please obtain and forward the following documents related to the XXXX XXXX XXXX account : A signed agreement or contract bearing my name and signature proving a legal obligation to pay. 
A full, itemized breakdown of the alleged balance, including principal, interest, fees, and payment history. 
A copy of the assignment contract legally transferring the alleged debt from the original creditor to XXXX XXXX. 
A Forward Flow Agreement or other legal document showing XXXX XXXX authority to collect and report this debt. 

Requested Actions : Conduct a full reinvestigation of the XXXX XXXX XXXX {$18000.00} account. 
Permanently delete this account if it can not be validated with lawful, original documentation. 
Block future reinsertion unless verified in strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the reinvestigation outcome and any corrective actions taken. 
Failure to comply with this dispute within the 30-day window mandated by federal law will result in the filing of formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). I will also consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o for any willful or negligent noncompliance. 
Thank you for your immediate attention to this matter. I look forward to your timely and lawful response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief