Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : Experian / Equifax / TransUnion [ Credit Bureau Address ] Subject : Formal Dispute, Validation Request & Cease and Desist Negative Accounts & Inquiries Notice of Dispute I am formally disputing the following accounts and inquiries as inaccurate, unverifiable, and incomplete under the Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 et seq. ) and requesting validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). These items must be deleted unless full validation is provided. 

Negative Collection Accounts Account Name Account # Original Creditor Balance Status Contact Info 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  ) [ Address not listed ] Unauthorized / Unverified Inquiries 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 Cease & Desist Demand Per FDCPA 809 ( 15 U.S.C. 1692g ), I demand full validation, including : Original signed contract/agreement. 

Complete accounting and payment history. 

Proof of assignment or ownership of the debt. 

Documentation of compliance with Metro-2 and GAAP reporting standards.

Until validation is provided, you must immediately cease all collection and reporting activity. 

Supporting Case Law Cushman v. Trans Union, 115 F.3d 220 ( XXXX XXXX. XXXX ) Credit bureaus must conduct reasonable investigations. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Collectors must provide actual proof of debt, not mere statements. 

Richardson v. Equifax, 2004 WL 60299 ( XXXX. XXXX. XXXX ) Failure to remove unverifiable info is willful noncompliance. 

Relief Demanded Delete all unverifiable negative accounts and inquiries.

Provide written confirmation of deletions within 30 days as required by FCRA 611 ( a ) ( 6 ).

Cease all further reporting or collection unless proper validation is produced. 

Failure to comply will result in legal remedies under FCRA 616617 and FDCPA 813, including damages, attorneys fees, and injunctive relief.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief