Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To : EquifaxXXXX XXXXXXXX XXXX, GA XXXX Cc : TransUnionXXXX XXXX XXXXXXXX, PA XXXX Cc : ExperianXXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Request for Debt ValidationReference : [ ALL Negative items ] Dear Sir/Madam, Please be advised that I am formally disputing the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Enclosed you will find my detailed Debt Validation Letter, which requests the following : * The original signed contract or promissory note creating the obligation.

* A full chain of assignment or sale showing legal transfer of the account.

* Verification of authorization for the entity reporting/collecting this debt.

Until such documents are provided, the account must be treated as unverified and removed from my credit file.

Please consider this cover summary as part of my formal dispute package. I expect investigation and response within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosure : Full Debt Validation Letter Debt Validation Request Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX near XXXX, Fl XX/XX/XXXX To : To : EquifaxXXXX XXXXXXXX XXXX, GA XXXX Cc : TransUnionXXXX XXXXXXXX XXXX, PA XXXX Cc : ExperianXXXX XXXX XXXXXXXX, TX XXXX Re : Debt Validation Request under FCRA & FDCPA Reference : [ all negative items previously disputed ] see attached files.

Dear Sir/Madam, I am writing to formally dispute the validity of the above-referenced debt, which appears on my consumer credit file. This letter serves as a request for validation and documentation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Specifically, I request that you provide the following documentation to validate the alleged debt : 1. A copy of the original signed contract or promissory note creating the obligation, with my signature.

2. Full chain of assignment or sale of the account, showing legal transfer from the original creditor to the current debt holder.

3. The name, address, and contact information of the original creditor, along with itemized statements showing how the balance was calculated.

4. Verification that the reporting entity is legally authorized to collect or report this alleged debt.

Until these documents are provided, the account must be considered unverified and should be deleted from my credit file pursuant to the FCRA.

Be advised that failure to respond within 30 days will be treated as your confirmation that the account can not be validated and must be removed.

Please also note that I am maintaining a careful record of all correspondence. If this matter is not resolved, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am disputing an account that is being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt.

Specifically, I request : 1. A copy of the original signed contract or promissory note.

2. A complete chain of assignment showing legal transfer from the original creditor to the current debt holder.

3. Verification that the reporting entity is legally authorized to collect or report the debt.

If these documents can not be provided, I request that the account be deleted from my credit report as unverified. 

Notice of Intent to Sue From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX : XX/XX/XXXX TO : Experian XXXX XXXX  XXXX, TX XXXX Subject : FINAL NOTICE Intent to File Legal Complaint Under FCRA To Whom It May Concern, On [ Insert date of your last dispute ], I formally disputed several inaccurate and unverified accounts under my rights as outlined in 15 U.S.C. 1681g ( Section 609 ) and 1681i ( Section 611 ) of the Fair Credit Reporting Act.

You have failed to properly verify or remove the items in question within the required timeframe. This constitutes a willful or negligent violation of federal law. If this matter is not resolved within XXXX business days, I will move forward with : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General * Seeking legal action in small claims court for statutory damages, actual damages, legal costs, and any applicable punitive damages Please treat this as a final notice before legal escalation. I request full compliance and written confirmation of your actions regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX. 

Notice of Intent to Sue From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : FINAL NOTICE Intent to File Legal Complaint Under FCRA To Whom It May Concern, On [ Insert date of your last dispute ], I formally disputed several inaccurate and unverified accounts under my rights as outlined in 15 U.S.C. 1681g ( Section 609 ) and 1681i ( Section 611 ) of the Fair Credit Reporting Act.

You have failed to properly verify or remove the items in question within the required timeframe. This constitutes a willful or negligent violation of federal law. If this matter is not resolved within 10 business days, I will move forward with : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General * Seeking legal action in small claims court for statutory damages, actual damages, legal costs, and any applicable punitive damages Please treat this as a final notice before legal escalation. I request full compliance and written confirmation of your actions regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX. 

Notice of Intent to Sue From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX : XX/XX/XXXX TO : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : FINAL NOTICE Intent to File Legal Complaint Under FCRA To Whom It May Concern, On [ Insert date of your last dispute ], I formally disputed several inaccurate and unverified accounts under my rights as outlined in 15 U.S.C. 1681g ( Section 609 ) and 1681i ( Section 611 ) of the Fair Credit Reporting Act.

You have failed to properly verify or remove the items in question within the required timeframe. This constitutes a willful or negligent violation of federal law. If this matter is not resolved within 10 business days, I will move forward with : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General * Seeking legal action in small claims court for statutory damages, actual damages, legal costs, and any applicable punitive damages Please treat this as a final notice before legal escalation. I request full compliance and written confirmation of your actions regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation