Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
Request for Method of Verification & Debt Validation Account : XXXX XXXX XXXX Reference : To Whom It May Concern, I am formally requesting a method of verification and full validation of the account currently being reported to the credit bureaus by XXXX XXXX XXXX. This request is being made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and reinforced by recent actions and guidance issued by the Consumer Financial Protection Bureau ( CFPB ). 
Heres the thing : there are inconsistencies across Equifax, TransUnion, and Experian regarding this account. Equifax reports the account as CLOSED with no late payments and a last delinquency reported in XXXX. TransUnion identifies it as an OPEN factoring account with updated activity as of XX/XX/XXXX. Meanwhile, Experian shows it as a DEBT BUYER collection account with status changes, monthly balance inconsistencies, and unresolved disputes. These discrepancies prove that either the account is being reinserted under false pretense, or the data furnishers are failing to verify accuracy before reporting. 
This fragmented reporting is not just incorrect and its unlawful. The FCRA, 15 U.S. Code 1681i ( a ), mandates that if information is disputed and can not be verified, it must be removed. If reinsertion occurs without proper notice under 1681 ( a ) ( 5 ) ( B ), it constitutes a violation. Based on the records I possess, this appears to be exactly what's happening.

To that end, I demand the following : -A full method of verification under FCRA 1681i ( a ), including the name, address, and contact information of the party that verified the accuracy of this information and how it was verified. 
-Full validation of the debt under FDCPA 1692g, including : -The Flow agreement, Bill of sale, Transfer of assignment. 
-A copy of the original signed contract or agreement bearing my signature. 
-The full chain of assignment from the original creditor ( XXXXXXXX XXXX XXXX  to XXXX XXXX XXXX XXXX 
-The name and address of the original creditor. 
-A detailed itemization of the amount being claimed ( {$5100.00} ), with breakdowns of principal, interest, fees, and charges. 
-The specific authority XXXX XXXX XXXX has to collect on this alleged debt in my state. 
Immediate permanent removal of the account from all consumer reporting agencies if you are unable or unwilling to provide the above within the legally required timeframe.

I would also remind you that the CFPB has recently filed legal action against furnishers and credit bureaus for practices that include re-reporting deleted accounts, furnishing unverifiable data, and failing to maintain reasonable procedures for accuracy under 15 U.S. Code 1681e ( b ). These cases underscore the heightened scrutiny on your obligations under federal law. 
If you found any violations of consumer protection laws to follow proper protocol. 
This inaccurate reporting has directly affected my creditworthiness and harmed my financial well-being. I have been denied credit, paid higher rates, and been subjected to unfair profiling due to the ongoing mishandling of this account. 
I trust that you understand the legal weight and urgency of this matter. Conduct a thorough reinvestigation, provide full validation and method of verification documentation, and permanently delete the account.

Company response to consumer: Closed with non-monetary relief