Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
I sent out a certified letter and called both XXXX and Experian to dispute an inaccurate and unverified account on my credit report. This account, listed under [ Creditor Name/XXXX XXXX XXXX  ], in the amount of {$420.00}, is not authorized, and I am demanding its immediate removal. I refuse to pay this alleged debt. 

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure that all information reported is 100 % accurate, verifiable, and authorized. I have already sent a certified cease and desist letter to the debt collector, demanding validation, and they have failed to provide proper documentation proving I owe this debt. 
Since there is no valid assignment contract proving their authority to collect or report this debt, this account is unverified and must be deleted immediately under the FCRA. Continuing to report inaccurate or unverifiable data is a direct violation of federal law, and I have escalated this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
I need confirmation that this account will be removed from my report as soon as possible. Please provide me with a reference number for this dispute and the expected timeline for removal. 
According to the Fair Credit Reporting Act ( FCRA ) [ Section 605B ]. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
This collection account reported by XXXX XXXX XXXX ( XXXX ) is neither recognized nor authorized by me. I have no knowledge of this debt and have not received any proper verification or documentation to support its validity. Despite my request for verification, XXXX has failed to provide the necessary information to substantiate this claim. As such, I believe this account is inaccurate and should be removed from my credit report immediately. 
In light of the above violations, I am requesting the CFPB to take the following actions : The immediate removal of the unverifiable collection account from my credit report, in accordance with 15 U.S.C. 1681s-2 ( b ). 
A full investigation into XXXX and Experian 's practices regarding the alleged debt and their compliance with the FDCPA and FCRA. 
That XXXX and Experian provide the assignment contract between the original creditor, XXXX, and XXXX XXXX, as I am entitled to this documentation in order to verify the legitimacy of the debt under 15 U.S.C. 1692g. 
Additionally, I would like to inform Experian that their failure to remove the inaccurate and unverifiable collection account will result in my pursuit of legal action for statutory damages under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ) for willful noncompliance. I will also consider pursuing claims for damages resulting from their noncompliance with the Consumer Credit Protection Act ( CCPA ) and any other applicable laws. 

I trust that the CFPB will investigate this matter thoroughly and ensure that XXXX is held accountable for their violations. Please contact me should any additional information be required to assist with this complaint.

Company response to consumer: Closed with explanation