Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I noticed collection account of just barely under {$1500.00} on credit report when trying to purchase or XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I drafted a formal dispute letter to XXXX Account XXXX XXXX XXXX XXXX  of Formal Disputes on XXXX XX/XX/XXXX. I mailed this standard on XXXX XX/XX/XXXX. I was informed that I shouldve sent it by certified mail by my attorney. I resent the same letter on XXXX XX/XX/XXXX by XXXX Mail. ( XXXX XXXX XXXX XXXX XXXX ) I informed them of the 30 day requirement for proper validation of debt. I received NO RESPONSE. I sent a second letter by certified mail to XXXX Account XXXX XXXX, on XXXX XX/XX/XXXX and informed them of the 15 day requirement to send written confirmation of account removal and deletion from my credit report. ( XXXX XXXX XXXX XXXX XXXX ) I received NO RESPONSE. 
After being unable to resolve my dispute with XXXXXXXX XXXX XXXXXXXX XXXX, I filed disputes with Equifax. As of XXXX XX/XX/XXXX Equifax closed my dispute by updating the collection report to say Equifax has verified the debt. I called at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to formally request verification of debt collection accuracy such as specific documentation that was used to confirm debt belongs to me, who Equifax contacted to verify accuracy of debt, and date and method used to conduct the verification process. The customer service representative refused to comply with Fair Credit Reporting Act 61XXXX ( a ) ( XXXX ) - Equifax representative referred me to contact XXXX XXXX  XXXX XXXX, I reiterated that they have not responded to my communication attempts and thus this advice was insufficient, I requested a supervisor. I waited on hold for XXXX and she returned to tell me that no supervisor was able to take my call. I advised Under the Fair Credit Reporting Act ( FCRA XXXX ), Equifax is required to verify disputed information. If Equifax can not provide me with the method of verification, the account must be deleted. Directing me to the creditor is not sufficient. I am requesting the immediate removal of this account AND if a supervisor does not take my call before closing time today and the ending of this call Equifax will be in violation of FCRA as well And Since XXXX XXXX  XXXX has failed to respond to my written requests for validation, and Equifax has not provided me with any supporting evidence of verification, I am formally requesting the immediate deletion of this account from my credit file. The customer service representative refused. I then requested written documentation of our call transcripts and audio file recordings. The customer service representative refused and said she could not do that and there were no supervisors available that all had left for the day as they close at XXXX EST. The customer service representative ended the call and I stayed on the phone baffled and left a survey report expressing my issues were not resolved. I will be sending yet another formal letter via certified mail to Equifax this time notifying them of the 15 day window to provide confirmation of account deletion from my credit report, per FCRA guidelines.

Company response to consumer: Closed with non-monetary relief