Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt Reporting and Demand for Removal : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Dear XXXX Consumer Solutions : I am writing to formally dispute the collection account referenced above, which you have reported, and which currently appears on my credit report. This is to inform you that I previously notified your company in writing that I am not responsible for this debt and have requested the debt collector XXXX XXXX XXXX XXXX XXXX XXXX ) cease all communication with me regarding it, as provided under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Despite my notification, this account remains on my credit report, and your continued reporting of this account constitutes a willful and repeated violation of my rights as a consumer under the FDCPA. According to the law : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I have notified the debt collector in writing ( which I am including a copy of the letter along with this one ) that I AM NOT RESPONSIBLE FOR THE SAID DEBT, and that all attempts to collect the debt should cease. 
Your continued reporting of this disputed debt despite my clear refusal to accept responsibility is not only a violation of the FDCPA but also harmful to my financial reputation. I demand that you : 1. Immediately remove this collection account from my credit report.

2. Cease any and all reporting of this account to my credit report in the future.

3. Provide written confirmation of the removal of this account within 30 days of receipt of this letter. 

Failure to comply with this demand will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. I will also consider pursuing legal action to enforce my rights under the FDCPA. 

This letter serves as a final notice and demand for compliance. Please note that this is not an acknowledgment of the validity of the alleged debt but rather a demand for the correction of inaccurate and unlawful reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Account Info : Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX Account Info : XXXX {$2800.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$2700.00} Original Creditor XXXX XXXX XXXX  XXXX Past Due {$2800.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< EQUIFAX Account Info : Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2800.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Disputes

Company response to consumer: Closed with explanation