Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX To : TransUnion/Equifax/Experian Subject XXXX Formal Dispute and Demand for Full Validation and Method of Verification Account Number : XXXX Amount : {$750.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo Whom It May Concern : I am formally disputing the accuracy, completeness, and legal validity of the above-referenced account currently appearing on my credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand an immediate investigation, full validation, and documented proof of the information being reported. This dispute is made under FCRA 611 ( 15 U.S.C. 1681i ) and FDCPA 809 ( 15 U.S.C. 1692g ).

Inaccuracies & Inconsistencies in the Reporting : 1. Duplicate Reporting - This account is listed XXXX times under different collection agency names but shares the same account number ( XXXX ), violating FCRA 607 ( b ) which mandates accurate and non-duplicative reporting. 

XXXX. Conflicting Account Statuses- Entry XXXX : Status - " Open '' - Entry XXXX : Status - " Open '' - Entry XXXX : Status - " Closed '' XXXX. Inconsistent " Last Activity '' Dates - Entry XXXX : XX/XX/XXXX - Entry XXXX : XX/XX/XXXX - Entry XXXX : XX/XX/XXXX XXXX. XXXX XXXX Names - Entry XXXX : " XXXX XXXX XXXX XXXX XXXX " XXXX '' - Entry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Entry XXXX : " XXXX XXXX XXXXXXXX XXXX " XXXX XXXX XXXX XXXX XXXX. Conflicting Account Comments- Entry XXXX : " Placed For Collection '' - Entry XXXX : " Collection Account '' - Entry XXXX : " Account Seriously Past Due - Assigned to Attorney or Internal Collections '' XXXX. Contradictory Payment History - Entry XXXX claims 84 % on-time payment history. 
- Entry XXXX shows 0 % on-time payments. 

XXXX. Lack of Any Documentation or Contract - No legally binding agreement or original contract has been provided. 

LEGAL DEMANDS- PURSUANT TO FCRA AND FDCPA Under my rights, I am demanding : 1. Full Validation of Debt under FDCPA 809 : - Copy of the original signed agreement bearing my signature. 
- Full itemized breakdown of the alleged balance. 
- Chain of custody proving the legal transfer of the debt. 
- Proof that your company has the legal right to collect or report this account. 

XXXX. Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) : - How was this account verified? 
- Who verified it? ( Name, address, and contact information of the data furnisher. ) - What documents or systems were used in your verification process? 
- If the account is not deleted, I demand that you provide the full Method of Verification within 15 days of the completion of your reinvestigation, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. Cease and Desist Communication ( if to Collection Agency ) Under FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding this alleged debt, except for providing the validation requested or confirming termination of collection. 

XXXX. Written Confirmation of Deletion or Correction If you determine this account to be unverifiable or inaccurate, I demand written confirmation that the account has been deleted from all reporting systems. 

Notice of Intent to File Complaints and Take Legal Action : Please note that continuing to report inaccurate, incomplete, or unverifiable information is a direct violation of federal law. If this matter is not resolved appropriately within the statutory timeframe, I am fully prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office, and to pursue legal remedies for : - Actual damages - Statutory damages- Legal costs - Punitive damages... under FCRA 616, 617 ( 15 U.S.C. 1681n, 1681o ) and FDCPA 813 ( 15 U.S.C. 1692k ).

This letter serves as a formal notice of dispute and legal demand. I expect a written response within the required 30 days, as required by FCRA 611 ( a ) ( 1 ) ( A ) Or A Response Here On CFPB.GOV Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation