Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Request for Verification of Disputed Information Under 15 USC 1692g Dear Equifax, I am writing to follow up on a dispute I previously filed regarding certain information on my credit report. The dispute, which I submitted on XX/XX/year>, pertained to XXXX  Account : XXXX, XXXX XXXX  Account : XXXX, XXXX ACCOUNT # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX, and XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account : XXXX. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a clear explanation of the outcome of my dispute, and I would like to request confirmation of whether this information has been verified by the creditor or data furnisher specifically under Section 15 USC 1692g. Please provide me with the following : 1. Confirmation of whether the disputed item ( s ) has been verified by the creditor or data furnisher. If verified, please provide documentation showing the verification process, including the evidence they used to confirm the accuracy of the information. 2. Detailed explanation of why the dispute was either upheld or denied. If the information was not removed or corrected, I would appreciate receiving the reason and the documentation supporting the decision. 3. If applicable, a copy of the communication or documentation you received from the creditor/data furnisher that supports their claim. 4. Amount of the Debt : A detailed breakdown of the total debt, including the principal balance, interest, and any fees or charges applied. 5. Creditors Name : The name of the original creditor to whom the debt is owed. If the debt has been sold or transferred, please provide the name of the current creditor or collection agency. 6. Verification of Debt : A copy of the original contract or agreement that shows I am responsible for the debt and the debt is valid. 7. Proof of Debt Legitimacy : Any supporting documentation that verifies the debt is legally enforceable and that I am the debtor. 8. Account Number : The full account number associated with the debt. 9. Debt Transfer Details : If the debt has been sold or assigned, please provide documentation showing the chain of ownership of the debt. 10. Date of Debt : The date the debt was incurred and, if applicable, the date it went into default. 11. Debt Validation : A statement confirming whether the debt collector has verified the debt with the original creditor, along with any supporting evidence. 12. Legal Action Warning : If any legal action has been taken or is being considered, please clarify the amount owed and the status of the legal proceedings. 13. Dispute Process : Information on how to dispute the debt and the timeline for submitting a dispute. 14. Account History : A detailed history of the account, including payments, missed payments, and any changes to the balance. 15. Time Limitations : The statute of limitations for debt collection in my state, to confirm that the debt is within the legal time frame for collection. Under the FDCPA, you are required to provide this information within 30 days of receiving this request. Please send your response to the address listed above. Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief