Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Date of Birth : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inconsistent Bureau Reporting , Inaccurate Delinquency Reporting & Collection Validation Request To Whom It May Concern : After reviewing my Equifax consumer report, I identified multiple accounts reporting inaccurate and inconsistent information across credit bureaus. Several of the disputed accounts and delinquency statuses are reporting on Equifax while not reporting similarly on XXXX, raising concerns regarding inconsistent bureau reporting, inaccurate delinquency reporting, and noncompliance with the Fair Credit Reporting Act and Metro 2 reporting standards. XXXX XXXX XXXX Balance Reported : {$130.00} Date Opened : XX/XX/XXXX I am disputing this collection account due to inaccurate reporting and unverifiable account information. Please verify : - Date of First Delinquency - Date Last Active - Documentation supporting the reported balance - Proof of legal responsibility for the alleged debt XXXX XXXX Balance Reported : {$280.00} Date Opened : XX/XX/XXXX I am disputing this account due to inaccurate balance reporting and inconsistent bureau reporting. Please investigate and verify : - Date Last Active - Date of First Delinquency - Complete balance calculation - Documentation supporting the account history XXXX XXXX Balance Reported : {$280.00} Date Opened : XX/XX/XXXX I am disputing the accuracy and completeness of this account due to inconsistent reporting and unverifiable information. Please verify : - Date of First Delinquency - Date Last Active - Documentation supporting the reported balance - Proof of assignment or authority to collect XXXX Reported Status : Closed Reported Late Payments : XXXX Missed Payments I am disputing the delinquency reporting associated with this account due to concerns regarding reporting accuracy and consistency across bureaus. XXXX XXXX XXXX Reported Status : Closed Reported Late Payments : XXXX Missed Payment I am disputing the reported delinquency history associated with this account due to inaccurate reporting and inconsistent reporting across bureaus. XXXX XXXX XXXX XXXX Reported Status : Currently Late Reported Late Payments : XXXX Missed Payment This account appears to contain inconsistent delinquency reporting and inaccurate Date Last Active information across bureaus. Additionally, several disputed late payment and collection items continue reporting on Equifax while not reporting similarly on XXXX. This inconsistent reporting raises serious concerns regarding reporting accuracy, delinquency timeline compliance, and Metro 2 reporting standards. Please investigate and verify : - The true Date Last Active - Date of First Delinquency - Complete payment history - Documentation supporting the reported late status - Why the reporting differs between bureaus Additionally, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I am requesting proper debt validation for all collection accounts currently being reported. Please provide : - The name and address of the original creditor - A complete itemization of the alleged balance - Documentation showing how the balance was calculated - Proof of assignment or authority to collect - Documentation bearing my signature proving legal responsibility for the alleged debt Please note that generic automated responses or electronic verification alone do not constitute proper validation where reporting accuracy remains disputed. If the disputed accounts can not be properly validated and verified through competent documentation, they must be deleted immediately pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days. Any information that can not be properly verified must be corrected or deleted immediately. Please provide : - An updated copy of my consumer report - Written confirmation of any corrections or deletions made - Method of verification if disputed items continue reporting Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation