Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX : XXXX SSN : XXXX Equifax Information Services, LLCXXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX {$610.00} XXXX XXXX XXXX Violations XXXX XXXX XXXX XXXX FCRA 611 Continued negative reporting after dispute - FCRA XXXX Medical debt with no HIPAA-compliant consent - FDCPA 809 No proof of debt ownership or assignment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX  Violations XXXX XXXX XXXX XXXX FCRA 611 Derogatory status without reinvestigation - FDCPA 809 No debt validation provided - FCRA 609 No documentation of agreement or billing details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX {$870.00} XXXX XXXX XXXX Violations XXXX XXXX XXXX XXXX FCRA 611 Re-aged debt still showing as active XXXX  FDCPA 809 No legal collection notice XXXX FCRA 623 Potential duplication of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX Violations : XXXX XXXX XXXX FCRA 609 No signed contract or itemized history - FCRA 611 Incomplete or unverifiable reporting - FDCPA 809 No collector validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX  {$940.00} XXXX XXXX XXXX  Violations : XXXX XXXX XXXX FCRA 611 Continued negative status without verification - FDCPA 809 No proof of medical debt ownership - FCRA 609 No signed documentation or billing file XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX Violations : XXXX XXXX XXXX FCRA 611 No proof of current validity or ownership - FDCPA 809 No proper notification or documentation - FCRA 623 Reporting medical debt without HIPAA-compliant release You are hereby notified that I dispute this debt in its entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within 30 days : XXXX. Original signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX, Equifax, and XXXX. 

If you can not fully validate this account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation