Consumer complaint received 2024-12-09 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:
Debt Validation and Unauthorized Inquiries Dispute under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing regarding the following accounts and inquiries reported on my credit file, allegedly in my name. I am disputing the validity of these debts and inquiries and formally requesting validation under the Fair Credit Reporting Act ( FCRA ) and all applicable laws. You must provide proper documentation proving the alleged debts are valid and that you had permissible purpose for the credit inquiries. 

Accounts in Question : XXXX. Account Number : XXXX ( Equifax XXXX XXXX : {$930.00} Comments : Medical Subject has not satisfied debt. 
XXXX. Account XXXX : XXXX ( Equifax XXXX XXXX : {$1700.00} Comments : Medical Subject has not satisfied debt. 
XXXX. Account XXXX : XXXX ( Equifax XXXX XXXX : {$320.00} Comments : Subject has not satisfied debt. 
XXXX. Account Number : XXXX ( Equifax ) - XXXX XXXX Bank Balance : {$270.00} Comments : Charged off account ; unpaid balance reported as a loss. 
XXXX. Account Number : XXXX ( Equifax ) - XXXX XXXX XXXX : {$3100.00} Comments : Collection account ; account placed for collection. 
XXXX. Account Number : XXXX ( Equifax ) - XXXX XXXX XXXX XXXX XXXX {$15000.00} Comments : Charged off account ; unpaid balance reported as a loss. 
XXXX. Account XXXX : XXXX ( Equifax ) - XXXX XXXX? Balance : {$10000.00} Comments : Charged off account ; accounts closed by credit grantor. 
XXXX. Account XXXX : XXXX ( Equifax ) - XXXX XXXX XXXX : {$9100.00} Comments : Charged off account ; profit and loss write-off. 
XXXX. Account Number : XXXX ( Equifax ) - XXXXXXXX XXXX XXXX XXXX : {$0.00} Comments : Closed or paid account ; XXXX balance auto. 
XXXX. Account Number : XXXX ( Equifax ) - XXXX XXXX Balance : {$41000.00} Comments : Account transferred or sold auto. 

XXXX XXXX in Question : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Specific Requests for Validation : XXXX. Verification of Ownership : Provide documentation proving that I, XXXX XXXX, am the individual legally responsible for each of these debts and that the accounts were accurately reported. 
XXXX. Permissible Purpose for Inquiries : Under 15 U.S.C. 1681b, explain and prove your permissible purpose for each of the credit inquiries listed above. Unauthorized credit inquiries are a violation of my rights under the FCRA and may subject your organization to legal consequences. 
XXXX. Validation of Debt : For each account, provide : A signed agreement or contract proving my consent to these debts. 
Complete payment history, terms, and calculation of balances. 
Chain of custody for the debt, including transfers and assignments. 

Legal Notice : Under 15 U.S.C. 1692g ( b ), you are prohibited from continuing collection activities until these debts are validated. Furthermore, any unvalidated inquiries must be removed immediately from my credit report. Failure to comply with this request may result in legal action, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 

I expect your response within XXXX  days of receipt. Failure to validate these accounts and inquiries will result in their removal from my credit reports.

Company response to consumer: Closed with non-monetary relief