Consumer complaint received 2025-07-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX Assistance XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE - UNVERIFIED COLLECTION ACCOUNT Collection Agency : XXXX XXXX, XXXX XXXX : XXXX XXXX * * DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED COLLECTION ACCOUNT * * TO WHOM IT MAY CONCERN : This letter serves as formal notice of dispute regarding a collection account from XXXX XXXX, XXXX currently reporting on my Experian, Equifax, and TransUnion credit reports. I am demanding immediate deletion of this account based on multiple violations of the Fair Credit Reporting Act ( XXXX  ) and lack of proper verification. 

* * ACCOUNT DISPUTE AND DENIAL * * I categorically dispute this collection account and state the following facts : - I have NEVER done business with XXXX XXXX, XXXX - I owe XXXX XXXX, XXXX no money whatsoever- This collection agency has NOT identified the original creditor they claim to be collecting on behalf of - I have no knowledge of any debt owed to an original creditor that would justify this collection account - I have never received proper validation or verification of this alleged debt * * LEGAL VIOLATIONS AND GROUNDS FOR DELETION : * * * * XXXX. INCOMPLETE AND INACCURATE REPORTING * * * * Under XXXX U.S.C. XXXX ( a ) ( XXXX ) * *, furnishers of information must not provide information they know or have reasonable cause to believe is inaccurate. XXXX XXXX failure to identify the original creditor renders this reporting incomplete and potentially inaccurate. 

* * Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) * *, furnishers must ensure the accuracy and integrity of information provided to credit reporting agencies. Reporting a collection account without identifying the original creditor violates this duty of accuracy. 

* * XXXX. LACK OF PROPER VERIFICATION * * * * Under XXXX U.S.C. XXXX ( b ) * *, credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer information. Reporting an unverified collection account without proper creditor identification violates this fundamental requirement. 

* * Pursuant to XXXX U.S.C. XXXX ( a ) * *, when a consumer disputes information, credit reporting agencies must conduct reasonable reinvestigation. The lack of original creditor identification prevents proper verification and investigation. 

* * XXXX. INSUFFICIENT IDENTIFYING INFORMATION * * * * Under XXXX U.S.C. XXXX * *, consumers have the right to know all information in their credit files. XXXX XXXX failure to provide the original creditor information violates the completeness requirement for credit reporting. 

* * Pursuant to XXXX U.S.C. XXXX * *, you must provide complete and accurate information in consumer disclosures. The incomplete nature of this collection account violates this requirement. 

* * XXXX. PERMISSIBLE PURPOSE VIOLATIONS * * * * Under XXXX U.S.C. XXXX * *, credit reporting agencies may only obtain and report consumer information for permissible purposes. Reporting unverified collection information without proper creditor identification lacks permissible purpose. 

* * XXXX. REINVESTIGATION OBLIGATIONS * * * * Under XXXX U.S.C. XXXX ( a ) ( XXXX ) * *, upon dispute, you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The inability to verify the original creditor makes reinvestigation impossible. 

* * Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) * *, if reinvestigation does not resolve the dispute, the information must be deleted. Since proper verification is impossible without original creditor identification, deletion is required. 

* * XXXX. FURNISHER INVESTIGATION REQUIREMENTS * * * * Under XXXX U.S.C. XXXX ( b ) ( XXXX ) * *, when notified of a dispute, furnishers must conduct reasonable investigation. XXXX XXXX can not conduct proper investigation without providing original creditor information. 

* * Pursuant to XXXX U.S.C. XXXX ( b ) ( XXXX ) ( XXXX ) * *, furnishers must modify, delete, or block reporting of information found to be inaccurate or incomplete. The lack of original creditor identification renders this account incomplete. 

* * XXXX. CONSUMER PROTECTION VIOLATIONS * * * * Under XXXX U.S.C. XXXX ( a ) * *, information must be reported according to specific accuracy standards. This unverified collection account fails to meet basic accuracy requirements. 

* * Pursuant to XXXX U.S.C. XXXX * *, collection account information must be verified and complete. The absence of original creditor identification violates this requirement. 

* * XXXX. DEBT VALIDATION FAILURES * * * * Under XXXX U.S.C. XXXX ( a ) ( XXXX ) * *, furnishers must have reasonable procedures to respond to notices of dispute. XX/XX/XXXX failure to provide original creditor information prevents proper dispute resolution. 

* * SPECIFIC DEFICIENCIES IN REPORTING : * * This collection account is deficient because : XXXX. * * NO ORIGINAL CREDITOR IDENTIFIED * * - Essential information missing XXXX. * * LACK OF DEBT VALIDATION * * - No proof of legitimate debt XXXX. * * INCOMPLETE ACCOUNT HISTORY * * - Can not verify debt origin XXXX. * * FAILURE TO PROVIDE VERIFICATION * * - Can not confirm debt legitimacy XXXX. * * INSUFFICIENT IDENTIFYING INFORMATION * * - Can not properly investigate * * DEMAND FOR IMMEDIATE ACTION : * * Based on the above violations and deficiencies, I demand that you : XXXX. * * IMMEDIATELY DELETE * * the XXXX XXXX  collection account from my credit report XXXX. * * PERMANENTLY REMOVE * * all references to this unverified account XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of deletion within 30 days XXXX. * * SEND UPDATED CREDIT REPORT * * showing removal of the account XXXX. * * NOTIFY ALL THIRD PARTIES * * who received reports containing this unverified information within the past XXXX years XXXX. * * BLOCK FUTURE REPORTING * * of this account until proper verification is provided * * NOTICE OF LEGAL VIOLATIONS : * * Your continued reporting of this unverified collection account constitutes violations of the FCRA. Under XXXX U.S.C. XXXX, consumers may recover actual damages, statutory damages up to {$1000.00}, punitive damages, and attorneys fees for willful violations. 

* * Under XXXX U.S.C. XXXX * *, negligent noncompliance subjects you to actual damages and attorneys fees. 

* * PRESERVATION OF EVIDENCE : * * This letter serves as notice that all records, communications, and documentation related to this unverified collection account must be preserved for potential legal proceedings. 

* * FINAL DEMAND : * * The unverified XXXX XXXX  collection account must be permanently deleted from my credit reports within XXXX  days of receipt of this letter. Your continued reporting of this unverified information will result in pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and pursuing litigation for FCRA violations. 

I expect your immediate attention to this matter and full compliance with federal law. Your prompt response confirming permanent deletion of this unverified collection account is required within XXXX  days. 

* * CC : Consumer Financial Protection Bureau * * Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief