Consumer complaint received 2025-06-27 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:
XX/XX/year>XXXX XXXX XXXX TO : * * Equifax XXXX XXXX XXXX * * COPY TO : * *, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE AND DEBT VALIDATION DEMAND - COLLECTION ACCOUNTS * * * * Dear Credit Reporting Agency and Collection Agencies, * * I am writing to formally dispute the following collection accounts currently reporting on my XXXX  credit report and to demand complete debt validation pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

# # DISPUTED COLLECTION ACCOUNTS The following collection accounts must be immediately investigated and permanently deleted from my Experian credit report : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX * * - Balance : {$850.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$31000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$580.00XXXX XXXX XXXX DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I am requesting complete validation of these alleged debts. You must provide the following documentation within 30 days of receipt of this letter : # # # REQUIRED VALIDATION DOCUMENTS : 1. * * Original Signed Contract or Agreement * * showing my signature and agreement to the alleged debt 1. * * Complete Payment History * * from the original creditor showing all payments, charges, and account activity 1. * * Assignment Contract * * showing the legal transfer of this debt from the original creditor to your agency 1. * * Forward Flow Agreement * * or purchasing agreement showing the terms under which you acquired this debt 1. * * Chain of Title Documentation * * proving legal ownership of the debt through all transfers 1. * * Proof of License * * to collect debts in my state of residence 1. * * Original Creditor Account Statements * * for the last 12 months before charge-off 1. * * Verification of the Debt Amount * * including itemization of all fees, interest, and charges 1. * * Proof of Standing * * to collect this debt in my jurisdiction # # LEGAL BASIS FOR DISPUTE AND VALIDATION DEMAND # # # 15 U.S.C. 1692g - Validation of Debts This provision requires debt collectors to provide validation of the debt within 30 days of the initial communication or cease collection activities until proper validation is provided.

# # # 12 CFR 1026.13 combined with 15 U.S.C. 1666b - Billing Error Resolution These regulations require creditors to investigate billing disputes and provide proper documentation. Any reporting to credit agencies during an unresolved dispute violates federal law.

# # # 15 U.S.C. 1692c ( c ) - Ceasing Communication This provision allows consumers to request that debt collectors cease all communications. Until proper validation is provided, continued reporting constitutes improper communication.

# # # 15 U.S.C. 1681s-2 ( a ) ( 5 ) - Accuracy Requirements for Furnishers This section prohibits furnishing information known to be inaccurate and requires reasonable investigation before reporting negative information.

# # # 15 U.S.C. 1681i - Reinvestigation Procedures This provision mandates that credit reporting agencies conduct reasonable reinvestigation of disputed items and delete any information that can not be verified.

# # # 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of reported information.

# # # 15 U.S.C. 1692e - False or Misleading Representations This provision prohibits debt collectors from making false, deceptive, or misleading representations in connection with debt collection.

# # DEMAND FOR IMMEDIATE ACTION * * TO EQUIFAX : * * You must immediately : 1. * * INVESTIGATE * * these disputed accounts within 30 days 1. * * REQUEST COMPLETE VERIFICATION * * from the collection agencies including all documents listed above 1. * * PERMANENTLY DELETE * * any accounts that can not be properly verified 1. * * PROVIDE WRITTEN CONFIRMATION * * of all deletions made 1. * * NOTIFY ALL PARTIES * * who received my credit report in the past 6 months of any deletions * * TO COLLECTION AGENCIES : * * You must immediately : 1. * * CEASE ALL COLLECTION ACTIVITIES * * until proper validation is provided 1. * * CEASE REPORTING * * to credit bureaus until validation is complete 1. * * PROVIDE ALL REQUESTED DOCUMENTATION * * within 30 days 1. * * REMOVE ALL CREDIT REPORTING * * if validation can not be provided # # STATUTE OF LIMITATIONS NOTICE Please be advised that I am not waiving any statute of limitations defenses by requesting validation. The age of these alleged debts may bar collection activities under state law.

# # NOTICE OF RIGHTS AND CONSEQUENCES I am aware of my rights under federal law, including : - The right to dispute inaccurate information ( 15 U.S.C. 1681i ) - The right to debt validation ( 15 U.S.C. 1692g ) - The right to accurate reporting ( 15 U.S.C. 1681e ( b ) ) - The right to damages for violations ( 15 U.S.C. 1681n, 1681o, 1692k ) * * WARNING : * * Failure to comply with these federal requirements may result in : - Violations of the FCRA and FDCPA - Liability for actual damages, statutory damages up to {$1000.00}, and punitive damages - Attorney fees and court costs - Regulatory enforcement action # # VALIDATION FAILURE CONSEQUENCES If you can not provide complete validation as requested : 1. * * IMMEDIATELY CEASE * * all collection activities 1. * * PERMANENTLY DELETE * * the account from my credit report 1. * * CONFIRM IN WRITING * * that the account has been closed and removed 1. * * NOTIFY ALL CREDIT BUREAUS * * to delete the account # # COMMUNICATION RESTRICTIONS This letter serves as my formal request under 15 U.S.C. 1692c ( c ) that all future communications regarding these alleged debts be made in writing only. Telephone contact is hereby prohibited except as allowed by law.

# # CONCLUSION I expect full compliance with all federal requirements within 30 days of receipt. Failure to provide complete validation will be considered an admission that these debts are not valid and must be permanently removed from my credit report.

I will be monitoring my credit report to ensure compliance with this demand and applicable federal law. 

* * Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation