Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
# CREDIT REPORT DISPUTE LETTER XX/XX/XXXX -- -- - * * TO : EQUIFAX INFORMATION SERVICES LLC * XXXX XXXX XXXX XXXX XXXX, GA XXXX * * AND TO : EXPERIAN INFORMATION SOLUTIONS , INC. * XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX * * RE : FORMAL DISPUTE AND DEMAND FOR REMOVAL * * * * Account : * * XXXX XXXX XXXX XXXX XXXX$610.00} * * Consumer : * * XXXX XXXX * * Date of Birth : * * XX/XX/XXXX * * Social Security Number : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISPUTE AND DEMAND FOR IMMEDIATE REMOVAL I am writing to formally dispute the above-referenced collection account appearing on my credit reports and to DEMAND its immediate removal from both my Equifax and Experian credit reports.

# # GROUNDS FOR DISPUTE # # # 1. UNLICENSED DEBT COLLECTOR VIOLATION Upon investigation, * * XXXX XXXX XXXX  * * is NOT a licensed collection agency through the Nationwide Multistate Licensing System ( NMLS ). Any entity engaging in debt collection activities without proper licensing is operating in violation of federal and state regulations. This unlicensed status renders any collection activities and credit reporting fundamentally invalid. 

# # # 2. VIOLATIONS OF FEDERAL CONSUMER PROTECTION LAWS This collection account violates multiple federal statutes : * * A. Fair Credit Reporting Act - 15 U.S.C. 1681o * * The reporting of this account by an unlicensed entity constitutes negligent non-compliance with FCRA requirements. You are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit information. 

* * B. Federal Debt Collection Practices Act - 15 U.S.C. 1692g * * The collector has failed to provide proper validation as required under federal law, including proof of their legal authority to collect this alleged debt.

* * C. Truth in Lending Act - 12 CFR 1026.13 combined with 15 U.S.C. 1666b * * If this account relates to a credit transaction, proper billing error resolution procedures have not been followed.

* * D. Legal Tender Laws - 31 U.S.C. 5118 * * Any collection activities must comply with federal legal tender requirements and proper debt validation procedures. 

# # VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g, I hereby demand that XXXX XXXX XXXX provide the following within 30 days : 1. * * Complete validation of the debt * * including : - Original creditor information - Amount owed and breakdown of charges - Proof of their legal right to collect 1. * * Assignment Contract * * - Complete, unredacted copy of the assignment/purchase agreement giving XXXX XXXX XXXX XXXX XXXX to collect this debt 1. * * Forward Flow Agreement * * - Any forward flow or bulk purchase agreements related to this account 1. * * Licensing Documentation * * - Proof of proper licensing to engage in debt collection activities 1. * * Chain of Title * * - Complete documentation showing the transfer of this account from original creditor to XXXX XXXX XXXXt # # DEMAND FOR IMMEDIATE REMOVAL Based on the above violations and the unlicensed status of the reporting entity, I DEMAND that you : 1. * * IMMEDIATELY REMOVE * * this collection account from my Equifax credit report 1. * * IMMEDIATELY REMOVE * * this collection account from my Experian credit report 1. * * PROVIDE WRITTEN CONFIRMATION * * of the removal within 15 days 1. * * CEASE ALL REPORTING * * of this account to any credit reporting agency # # LEGAL NOTICE Be advised that : - This letter serves as formal notice of dispute under the Fair Credit Reporting Act - Continued reporting of this invalid account may constitute willful non-compliance- I am prepared to pursue all available legal remedies for violations of federal consumer protection laws- This communication is made in an attempt to resolve this matter and may be used as evidence in any legal proceedings # # REQUIRED RESPONSE You have * * 30 days * * from receipt of this letter to : 1. Remove the disputed account from my credit reports 1. Provide written confirmation of removal 1. Ensure no further reporting of this account Failure to comply with this demand will result in the filing of complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my states Attorney General, as well as potential legal action for violations of federal consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation