Consumer complaint received 2025-03-01 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:
I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and Metro 2 compliance standards. I dispute the accuracy and validity of the account referenced above and demand full verification before any further reporting or collection activity. 

Disputed Account Details : Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Status : Collection Account {$7500.00} Past Due Balance : {$7500.00} Reported by : XXXX XXXX XXXX DEMAND FOR VALIDATION : Under FDCPA 809 ( b ), FCRA 1681s-2 ( a ), and Metro 2 Compliance, I request the following documentation : 1. Complete Account XXXXXXXX XXXX XXXXXXXX XXXX full itemized breakdown of the alleged debt, including a detailed accounting history showing how the balance of {$7500.00} was calculated. 

Any fees, penalties, or charges added to the principal must be documented. 



2. Original Signed Agreement & Proof of Liability A legible copy of the original signed contract or lease agreement with XXXX XXXX XXXX XXXX proving my legal obligation to pay this amount. 

Any signed agreements showing I agreed to the terms under which this debt was incurred. 



3. Proof of Collection Rights & Chain of Title Evidence that XXXX XXXX XXXX has the legal right to collect this debt, including a chain of title from the original creditor to the current owner of the debt. 

A copy of the purchase agreement or assignment contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 



4. Metro 2 Compliance Report & Accuracy Certification Verification that this debt is being reported in full compliance with Metro 2 data standards and FCRA accuracy requirements under 15 U.S.C. 1681e ( b ). 

If any information is inaccurate or unverifiable, the debt must be immediately deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 




DEMAND FOR REMOVAL IF UNVERIFIABLE If XXXX XXXX XXXX can not fully validate this debt with the required legal documentation, then per FCRA 1681s-2 ( b ), FDCPA 809 ( b ), and Metro 2 Compliance, this account must be deleted from my credit report immediately and no further collection attempts should be made. 

NOTICE OF DISPUTE & CONSUMER RIGHTS VIOLATIONS This letter serves as a formal dispute of the debt. Under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including reporting to credit bureaus, until proper validation is provided. Any attempt to continue collection or verify an inaccurate account would constitute : Violation of the FDCPA ( 15 U.S.C. 1692e ) for false or misleading representations Violation of the FCRA ( 15 U.S.C. 1681s-2 ) for inaccurate reporting Violation of Metro 2 reporting standards DEMAND FOR RESPONSE & NEXT STEPS You are required to provide the requested validation within 30 days of receiving this letter. If you fail to respond, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Report your noncompliance to the Federal Trade Commission ( FTC ) and my State Attorney General. 

Take legal action for FCRA and FDCPA violations under 15 U.S.C. 1681n & 1681o. 


Please provide all requested documentation in writing to my address above. Failure to respond will result in further legal actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation