Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Credit Report Dispute - Request for Deletion of Inaccurate Items Dear Equifax Dispute Team, I am writing to formally dispute and request a reinvestigation into inaccurate and incomplete information appearing on my Equifax credit report, Report Confirmation Number : XXXX. 

The following items are inaccurate : -- - XXXX. * * Collection Account : XXXX XXXX ( XXXX XXXX XXXX ) * * - Balance : {$58.00} - Account Number ending in 15 - Reported as unpaid as of XX/XX/year> * * Reason for Dispute : * * I do not recognize this debt. Please provide full verification including original contract, billing statements, and complete chain of ownership documentation proving your right to report this item. 

-- - Additionally, the following accounts are reported inaccurately due to payment history errors and/or balance inconsistencies : XXXX. * * Revolving Accounts : * * - XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX ) - XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX ) - XXXXXXXX XXXX XXXX XXXX  ( Account ending XXXX ) * * Reason for Dispute : * * Late payments and past due amounts are inaccurate and not consistent with my payment records. Please fully investigate and correct or delete these records. 

-- - In accordance with the Fair Credit Reporting Act ( FCRA ), please complete your reinvestigation within 30 days and provide me with written confirmation of the results. 

Please mail the outcome of your investigation to my address above. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX * * Debt Validation Letter to XXXX XXXX * * -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Validation of Debt ( FDCPA 15 USC 1692g ) Dear XXXX XXXX, This letter is in response to a collection account you have placed on my Equifax credit report regarding an alleged debt from " XXXX XXXX XXXX '' ( Account ending in XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request : XXXX. Validation of the debt including a signed contract or agreement bearing my signature. 
XXXX. Full accounting and explanation of the amount claimed ( {$58.00} ). 
XXXX. The name and address of the original creditor. 
XXXX. Documentation proving your agencys authorization to collect this debt in the State of XXXX. 
XXXX. Proof of chain of custody/ownership of the debt. 

Until you furnish this validation, you must cease all collection activity and not report or update this account on my credit report. 

Please provide all requested documentation within 30 days, sent to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief