Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Date : XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX https : //www.consumerfinance.gov/ Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX Debt ________________________________________ Dear Sir/Madam, I am submitting a formal dispute regarding the reporting of an account on my credit reports that contains inaccurate, incomplete, and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Account Details : Creditor/Collector : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Reported Status : Collection / Past Due ________________________________________ Legal Violations and Supporting Facts : 1. Inaccurate Dates ( FCRA 1681i ( a ), 1681s-2 ( b ) ) o The account lists a date of first delinquency of XX/XX/XXXX, which predates the account opening date of XX/XX/XXXX. 
o FCRA 1681i ( a ) obligates credit reporting agencies to maintain accurate and complete information and conduct a reasonable investigation when a consumer disputes information. 
XXXX. Unverified Debt ( FCRA 1681s-2 ( b ) ; FDCPA 809 ( b ) ) o XXXX XXXX XXXX is a debt buyer and has failed to provide documentation proving the original debt and chain of ownership.

o FDCPA 809 ( b ) requires debt collectors to validate debts before reporting to credit bureaus. 
XXXX. Conflicting and Incomplete Reporting ( FCRA 1681e ( b ) ) o Account type and balance are reported inconsistently across bureaus. 
o FCRA 1681e ( b ) obliges credit bureaus to implement reasonable procedures to ensure maximum accuracy. 
XXXX. Previous Dispute Mishandling ( FCRA 1681i ( a ) ( 1 ) ( A ) ) o Agencies note disputes have been made but no verifiable correction was applied. 
o FCRA 1681i ( a ) ( 1 ) ( A ) entitles me to a full reinvestigation and correction of information that can not be verified.

________________________________________ Demand for Action : Pursuant to FCRA 611 and 623 and FDCPA 809 ( b ), I demand that : XXXX. XXXX XXXX XXXX XXXX and all credit reporting agencies remove this account from my credit report if they can not provide verifiable documentation proving the debt, the original creditor, and the exact balance.

2. All inconsistencies in dates, account type, and balance are corrected immediately.

3. Written confirmation is provided verifying that my dispute has been fully resolved and corrected according to federal law.

Enclosed are copies of my credit reports highlighting the disputed items. Please acknowledge receipt of this complaint and provide guidance on the next steps under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief