Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
# FORMAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX * * Equifax Information Services LLC * * * * XXXX XXXX XXXX * * * * XXXXXXXX XXXX XXXXXXXX * * * * RE : FORMAL DISPUTE - DEMAND FOR PERMANENT DELETION * * * * Consumer : XXXX XXXX * XXXX Date of Birth : XX/XX/year> * * Social Security Number : XXXX -- -- - # # DISPUTE REGARDING UNLICENSED COLLECTION ACCOUNTS I am writing to formally dispute the following collection accounts appearing on my Equifax credit report and DEMAND their immediate and permanent deletion : XXXX. * * XXXX XXXX XXXX XXXX XXXX * * - {$850.00} XXXX. * * XXXX XXXX XXXX * * - {$31000.00} XXXX. * * XXXX XXXX XXXX * * - {$1500.00} XXXX. * XXXX XXXX XXXXXXXX XXXX XXXX * * - {$580.00} # # LEGAL BASIS FOR DELETION DEMAND # # # Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of consumer credit information. The inclusion of these accounts violates this requirement for the following reasons : - * * XXXX XXXX XXXX XXXX XXXX * * is NOT LICENSED to collect debts in the state of California per NMLS requirements- * * XXXX XXXX XXXX * * is NOT LICENSED to collect debts in the state of California per NMLS requirements- * * XXXX XXXX XXXX * * is NOT LICENSED with the XXXX - * * XXXX XXXXXXXX XXXX XXXX * * is NOT LICENSED to collect debts in the state of California per NMLS requirements- Unlicensed debt XXXX lack legal authority to collect debts in California and other jurisdictions - Reporting activities by unlicensed entities constitutes inaccurate and unverifiable information # # # Fair Debt Collection Practices Act ( FDCPA ) Violations Under 15 U.S.C. 1692 et seq., these accounts represent violations of federal law : - * * 15 U.S.C. 1692c ( c ) * * - Unlicensed debt collectors lack authority to cease communication requirements and proper validation procedures- * * 15 U.S.C. 1692e * * - Operating without proper licensing is a false, deceptive, or misleading representation- * * 15 U.S.C. 1692f * * - Unlicensed collection activities constitute unfair practices- * * 15 U.S.C. 1692g * * - Debt validation requirements can not be properly fulfilled by unlicensed entities lacking legal authority to collect - * * 15 U.S.C. 1692 * * - Debt collection by unlicensed entities violates the fundamental purpose of the FDCPA # # # Additional Federal Law Violations- * * Regulation F ( 12 CFR Part 1006 ) * * - CFPB regulations require debt collectors to comply with licensing requirements and proper validation procedures before reporting to credit bureaus - * * 31 U.S.C. 5118 * * - Legal tender laws require proper authorization for debt collection activities, which unlicensed entities lack # # # California State Law Violations These unlicensed collection agencies also violate California state laws governing debt collection activities, making their collection efforts and credit reporting invalid under both federal and state law. 

# # # Licensing Verification I have verified through the XXXX Consumer Access portal and California regulatory databases that : - * * XXXX XXXX XXXX XXXX XXXX * * does not hold valid California debt collection licensing - * * XXXX XXXX XXXX * * does not hold valid California debt collection licensing - * * XXXX XXXX XXXX * * does not hold valid NMLS licensing - * * XXXX  XXXX XXXX XXXX * * does not hold valid California debt collection licensing # # FORMAL DEMANDS Pursuant to my rights under the FCRA, FDCPA, Regulation F, and 31 U.S.C. 5118, I hereby DEMAND that you : XXXX. * * IMMEDIATELY INVESTIGATE * * these disputed accounts within XXXX days as required by 15 U.S.C. 1681i ( a ) ( 1 ) 1. * * PERMANENTLY DELETE * * all four collection accounts from my credit report due to : - Lack of proper licensing by the collection agencies in California and/or with NMLS - Inability to verify the accuracy of accounts from unlicensed entities - FCRA violations regarding maximum possible accuracy requirements- FDCPA violations under 15 U.S.C. 1692c ( c ) and 1692g regarding proper validation procedures - Regulation F compliance failures by unlicensed debt collectors - Violations of 31 U.S.C. 5118 regarding legal authority for debt collection activities- California state law violations regarding unlicensed debt collection activities XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of the permanent deletion of these accounts XXXX. * * NOTIFY ALL PARTIES * * who have received my credit report within the past 6 months ( 2 years for employment purposes ) of the deletion pursuant to 15 U.S.C. 1681i ( d ) # # ADDITIONAL NOTICE Please be advised that : - I will not accept verification from unlicensed collection agencies- Any continued reporting of these accounts may subject you to liability under 15 U.S.C. 1681n and 1681o- This letter serves as notice of potential FCRA, FDCPA, Regulation F, and 31 U.S.C. 5118 violations - I am prepared to pursue all available legal remedies if these accounts are not permanently deleted - As these agencies lack proper licensing in California, their collection activities are invalid under both federal and state law # # RESPONSE REQUIRED I expect your written response within XXXX days of receipt of this letter, confirming the permanent deletion of all four disputed accounts. Failure to properly investigate and delete these accounts will be considered a willful violation of the FCRA. 

-- -- - * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with non-monetary relief