Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
} Complaint Inaccurate Reporting, Failure to Validate Debt, and Improper Credit Reporting Practices ( FCRA & FDCPA Violations ) I am filing this complaint regarding inaccurate, duplicative, and unverified information being reported on my credit file, and the failure of both furnishers and credit reporting agencies to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). -- - # # # 1. XXXX XXXX MULTIPLE COLLECTION ACCOUNTS ( POTENTIAL DUPLICATION ) The following accounts are being reported : - XXXX XXXX Balance {$470.00} ( Acct XXXX XXXXXXXX ) - XXXX XXXX Balance {$760.00} ( Acct XXXX XXXXXXXX ) - XXXX XXXX Balance {$780.00} ( Acct XXXX XXXXXXXX ) - XXXX XXXX Balance {$470.00} ( Acct XXXX XXXXXXXX ) All accounts reflect similar delinquency timeframes and are reported by the same debt buyer. Dispute Basis : - Possible duplication or splitting of the same underlying debt - Failure to clearly identify original creditor ( s ) - Lack of validation showing each account is a separate, legitimate obligation Under FDCPA 1692g, I request full validation of each account, including : - Original creditor identification - Chain of title / assignment documentation - Itemized account history Under FCRA 1681e ( b ) and 1681s-2, all information must be accurate and not misleading. If these accounts can not be individually validated as separate obligations, they must be removed. -- - # # # 2. XXXX / XXXX CHARGE-OFF ACCOUNT - Balance : {$2600.00} - Date of First Delinquency : XX/XX/2024 Dispute Basis : - Lack of verification of balance and payment history - Continuous charge-off reporting without supporting documentation - Potential duplication if associated with collection accounts Under FCRA 1681i, I request : - Full payment history - Verification of charge-off status - Accurate date of first delinquency Unverifiable information must be corrected or deleted. -- - # # # 3. XXXX / XXXX SEVERE DELINQUENCY ACCOUNT - Balance : Approximately {$2000.00} - Status : 120+ days past due Dispute Basis : - Request verification of full delinquency history - Confirmation of accurate reporting dates and balances - Verification that reporting is not misleading or overstated Under FCRA 1681e ( b ) and 1681i, all information must be verified and accurate. -- - # # # 4. CREDIT INQUIRIES There are multiple hard inquiries on my credit report. Under FCRA 1681b, I request : - Verification of permissible purpose for each inquiry - Removal of any inquiry that can not be verified as authorized -- - # # # ISSUE : FAILURE TO CONDUCT REASONABLE REINVESTIGATION The credit reporting agencies have failed to comply with : - FCRA 1681i ( a ) : Reasonable reinvestigation - FCRA 1681e ( b ) : Maximum possible accuracy Additionally, I have not been properly notified if any disputes were classified as frivolous under FCRA 1681i ( a ) ( 3 ). -- - # # # REQUEST FOR RELIEF I request that : 1. All XXXX accounts be fully validated or removed if duplicative or unverifiable 2. XXXX account be verified or corrected/deleted if inaccurate 3. XXXX account be verified and corrected if necessary 4. Unauthorized inquiries be removed 5. All reporting comply with FCRA and FDCPA requirements 6. Updated credit reports be provided reflecting corrections -- - I am prepared to provide supporting documentation upon request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation