Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Re : Formal Dispute of Account To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F, regarding the account referenced above, which is being reported by XXXX XXXX XXXX. 



After reviewing my credit reports from the major credit bureaus, I noticed several inaccuracies and inconsistencies with this account : XXXX. Incorrect Account Type : The account is labeled with an account type that does not reflect its true nature as a collection. Please clarify how this classification is accurate. 

XXXX. Incorrect Account Status : The account is reported as open which conflicts with its designation as a collection account. Collection accounts are by nature closed to consumer use.

3. Incorrect Remarks/Comments : The reporting contains misleading or inaccurate remarks that misrepresent the actual status or history of the debt.

4. Outstanding Balance Reporting : The reporting of a balance under an open status may create confusion or mislead future creditors about the nature of the debt. If this is a charged-off debt in collection, the balance should not reflect as though its active or accruing.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request an investigation into this account and demand that all inaccurate, incomplete, or unverifiable information be corrected or deleted. Additionally, under 15 U.S. Code 1692g of the FDCPA, I am exercising my right to dispute the validity of the debt. 



Furthermore, under Regulation F, effective as of XX/XX/year>, debt XXXX must adhere to specific provisions, including : 12 CFR 1006.34 ( Debt Validation Notice requirements ) : If you have not already done so, please provide a complete and itemized validation notice including the name of the original creditor, the amount of the debt, and instructions on how to dispute.

12 CFR 1006.18 : You are prohibited from making false, deceptive, or misleading representations in connection with the collection of any debt.

12 CFR 1006.22 : You may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt inaccurately, such as classifying a collection as an open account, could violate this rule.

Action Requested : Please conduct a full investigation and either validate this debt with proper documentation or remove the account entirely from all credit reporting agencies. If the debt is validated, please correct any inaccuracies in account status, type, remarks, and balance.

You are further instructed to cease collection activities on this account until the dispute is resolved, as required by law. 



Please respond to this dispute in writing within the time frame specified by law. 



Sincerely, XXXX XXXX XXXX XXXX U.S. Codes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 : Requires furnishers to report accurate information and correct inaccuracies.

15 U.S. Code 1681i : Mandates a reinvestigation of disputed information in a consumers credit file.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g ( b ) : Requires collectors to cease collection and provide validation upon dispute.

15 U.S. Code 1692e : Prohibits false or misleading representations.

15 U.S. Code 1692f : Prohibits unfair or unconscionable collection methods.

3. Regulation F ( 12 CFR Part 1006 ) : 1006.34 : Required disclosures in debt validation notices. 

XXXXXXXX XXXX XXXXXXXX : Prohibit false, misleading, or unfair practices. 


XXXX XXXX

Company response to consumer: Closed with explanation