Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX  and requested for them to provide me with the contract between me and them. The customer service representative disclosed to me that they could not provide me with the contract that states the formal agreement for the account they are reporting to my credit profile after I requested it. 

On XX/XX/XXXX, I submitted a dispute for XXXX XXXX XXXX  on Equifax challenging the ownership of the account. The dispute stated, " if you verified this account as accurate, I need to see your method of verification on how you are reporting an account that the creditor has no contract that is binding with me, the consumer. If you can not provide this, please delete immediately. '' On XX/XX/XXXX, I received a notification that the XXXX XXXX XXXX  account was verified and updated. As I did not receive the method of verification on how they investigated that I requested, I submitted another dispute. The dispute stated, " if you verified this account as accurate, I need to see your method of verification on how you are reporting an account that has no binding contract with me ( the consumer ). If you can not provide the method of verification, please delete immediately. '' On XX/XX/XXXX, I received another notification that the XXXX XXXX Bank account was verified and updated. As I did not receive the method of verification on how they investigated again that I requested, I submitted another dispute. The dispute stated, " I have requested your method of verification on how you are reporting an account that has no binding contract with me that you have yet to provide. You are in violation of U.S. Code 1692g. You have XXXX days to provide me with method of verification. '' On XX/XX/XXXX, I received another notification that the XXXX XXXX XXXX  account was verified and updated. As I did not receive the method of verification on how they investigated again that I requested, I submitted another dispute. The dispute stated, " the company has no contract with my signature stating that this is my account which they have stated they don't. I have requested your method of verification which you have still yet to provide. You are in violation of XXXX XXXX XXXX XXXX. Delete! '' On XX/XX/XXXX, I received another notification that the XXXX XXXX XXXX  account was verified and updated. As I did not receive the method of verification on how they investigated again that I requested, I submitted another dispute. The dispute stated, " I requested your method of verification on how you're reporting an account which the creditor doesn't have a binding contract with my signature. You are still in violation of 15 U.S. Code 1692g. If you can't produce that contract, then delete account. '' On XX/XX/XXXX, I received another notification that the XXXX XXXX Bank account was verified and updated. As I did not receive the method of verification on how they investigated again that I requested, I submitted another dispute. The dispute stated, " I have requested the contract with this creditor on XX/XX/XXXX and they disclosed that they could not provide me with it, therefore this account is null and void. If you can not provide the contract with my signature, then delete immediately. ''

Company response to consumer: Closed with explanation