Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I noticed a balance of XXXX} Charged-off on my Experian, Equifax, and Transunion Credit report XXXX I reached out to XXXX with the letter below ; and no information was sent back to me to my correct address. I then attempted to update my address but no update information was sent to me so I am contacting you for some resolution as I am trying to buy a house and this mis information is defamatory to my character..... The 2 letters are attached below -LETTER # XXXX : Dear XXXX XXXX XXXX, Im writing in response to your email from XX/XX/year> because I do not believe that I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter, therefore, in accordance with Section 809 Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing the following ; -What the money you say I owe is for ; - Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Identify the original creditor ; -Provide a verification or copy of any judgment ; -Show me that you are licensed in my state, and provide me with your license numbers Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit reporting Act. For instance, I know that : - You can not add interest or fees except to those allowed by the original contract and state law. 
- You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
-Should you pursue a judgment without validating it, violates the FDCPA. 
Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, The Federal Trade Commission and the Better Business Bureau. 
I Have disputed this debt, therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate, or failing to report information correctly violates the FCRA ) 1681s-2. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creator that you say I owe money too, so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) -Ceasing Collections, of the fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions actions allowed by the law. 




-ADDRESS change letter # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone number ( XXXX ) XXXX Subject : Change of Address Account Number : To Whom It May Concern, This letter is to inform you of a change in my mailing address. I request that you update your records with my new address, effective XXXX 

My previous address was : My new address is Please direct all future correspondence and statements to my new address. 

I have attached a copy of a recent utility bill and a copy of my government-issued identification card ( such as a driver 's license ) to verify my new address. 

Thank you for your prompt attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation