Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2025 To Whom It May Concern, RE : FORMAL NOTICE OF DISPUTE AND DEBT VALIDATION DEMAND UNDER 15 U.S. CODE 1692g AND 15 U.S. CODE 1681i I am writing to formally dispute the validity and accuracy of the following derogatory accounts appearing on my credit reports issued by Equifax, Experian, and TransUnion. You are hereby notified that I am demanding full validation of each alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

These accounts are reported as derogatory, charged off, or in collections, and I have reason to believe they are inaccurate, unverifiable, incomplete, or do not belong to me. You are required by law to cease reporting these accounts until full validation is provided. Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

ACCOUNTS IN DISPUTE : XXXXXXXX XXXX XXXXXXXX * * | Balance : {$1100.00} | Status : Collection/Chargeoff XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$1100.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXX * * * * | Balance : {$370.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXX * | Balance : {$0.00} | Status : Collection/Chargeoff * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$0.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$6300.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXX * | Balance : {$7500.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$120.00} | Status : Collection/Chargeoff * * XXXX XXXX XXXX XXXXXXXX | Balance : {$340.00} | Status : Collection/Chargeoff * * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$5300.00} | Status : Collection/Chargeoff * * XXXX XXXX * * | Balance : {$120.00} | Status : Late XXXX Days * * These accounts have been negatively impacting my credit profile and do not meet the standards required under the FDCPA and FCRA. I hereby demand : A complete accounting of each alleged debt. 
Copies of any signed contracts or original agreements bearing my signature. 
Proof of your legal authority to collect or report these debts. 
A copy of the debt transfer or sale documentation from the original creditor. 
Immediate removal of any unverifiable, inaccurate, or incomplete accounts from all credit reporting agencies. 
Until the above is provided, you are not to report, pursue, collect, or otherwise use this information. Continued reporting without proper validation is a direct violation of federal law and will result in legal escalation. 

This letter also serves as a formal complaint to the Consumer Financial Protection Bureau regarding the continued unlawful reporting of these accounts despite lack of sufficient validation. 

You have 30 days to comply. Failure to do so will be treated as your inability to validate, and you must delete these items immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief