Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, I am writing to formally dispute the inclusion of what appears to be an alleged medical debt reporting on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and recent changes to credit reporting guidelines that impact medical debt reporting. 
Upon reviewing my credit report, I found the following medical debt item that I believe is being reported in violation of current federal guidelines : Creditor Name : XXXX XXXX  Amount : {$1100.00} Date Reported : XX/XX/XXXX XXXX XXXX XXXX : As of XX/XX/XXXX, the XXXX major credit bureausEquifax, XXXX XXXX XXXXagreed to no longer include paid medical debt on consumer credit reports. If this debt has been paid in full, it must be removed. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported. If this debt falls under the exclusions above, or is not properly validated, it is not eligible to remain on my credit report. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized that medical debt often does not accurately reflect a consumers creditworthiness due to billing errors and insurance disputes. The continued reporting of invalid or excluded medical debt could constitute an unfair practice under the Consumer Financial Protection Act of XXXX ( 12 U.S.C. 5531 ). 
I am confirming that the following collection is invalid due to the listed grounds of dispute in addition to companies failure to adhere to UCC 9-613 which also connects back to the validation of the debt. I have no knowledge of where this collection came from or an understanding of the itemization for this amount allegedly owed. There was nothing sent to me prior to this debt reporting to my credit profile which has now impacted my score tremendously. I also would like to emphasize that it isnt also coincidental that this account appeared shortly after the Transunion data breach announcement where I have every reason to believe that it could also be inaccurately impacted by. 
I am requesting that you : Investigate this matter under FCRA guidelines ; Provide written verification of the debt, including validation of the itemized amount, date, and status ; Remove the account from my credit report if it is inaccurate, unverified, or qualifies under the exclusions outlined above. 
According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information. These agencies have failed to assure maximum possible accuracy of the information concerning my credit report and I want this account to be DELETED and to cease its reporting from all credit bureaus. It is evident that they all have failed to do their due diligence by exercising integrity and accuracy and for this they have cost me. Please complete this investigation within 30 days, as required under 15 U.S.C. 1681i ( a ). If the debt is not removed, I request a detailed explanation and documentation supporting its continued reporting. 
I look forward to your response in deletion.

Company response to consumer: Closed with non-monetary relief