Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.

* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts I would like to further inform you of the following laws. 
* 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. 
I also want to remind you of the following laws : - 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection activities until you have verified the information and provided me with a copy of the verification. 

I also want to clarify that my request for validation of the debt does not imply any admission of liability. It is my right to do so under the FDCPA, and failure to comply with this law may result in civil liability.

Please remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation