Consumer complaint received 2025-03-01 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:
XXXX Subject : Formal Dispute, Cease-and-Desist, and Demand for Verification I am writing to formally dispute the collection accounts appearing on my credit report regarding the accounts listed below. These accounts have not been properly validated, and I demand immediate investigation and removal in accordance with federal law. 

Accounts in Question : XXXXXXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number Here ] XXXXXXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Inquiries : The following inquiries were unauthorized and must be removed immediately : XXXX XXXX XXXX XXXX XXXX  Companies XX/XX/XXXX Experian XXXXXXXX XXXX XXXXt XX/XX/XXXX Experian 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 XXXXXX/XX/XXXX Legal Basis for My Dispute : Pursuant to the following consumer protection laws, I demand a proper reinvestigation and verification of this account : Regulation F ( 12 C.F.R. Part 1006 ) : Requires debt collectors to provide consumers with clear, accurate, and complete validation notices, including itemization of the alleged debt and original creditor details.

12 C.F.R. 1006.34 ( c ) : Mandates debt collectors to provide a de
tailed validation notice in writing.

12 C.F.R. 1006.6 ( c ) : Restricts communication frequency and methods of debt collectors to prevent harassment.

15 U.S.C. 1681e ( b ) ( FCRA ) : Requires credit reporting agencies to ensure maximum accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA ) : Mandates credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Prohibits furnishers from reporting inaccurate information and requires correction.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) : Requires furnishers to investigate disputes and respond within 30 days.

15 U.S.C. 1692g ( b ) ( FDCPA ) : Requires debt collectors to cease collection efforts until debt validation is provided.

15 U.S.C. 1666 ( TILA ) : Provides consumers with the right to dispute billing errors. 

Additionally, I challenge the ownership of this alleged debt and demand full disclosure regarding its assignment and transfer. If this account has changed hands, I require the complete chain of ownership detailing all prior and current entities that have claimed rights to collect on this account. 

If this alleged debt has been securitized, I demand full disclosure of all securitization details, including the trust name and any pooled agreements under which this account was bundled and sold. If securitization has occurred, the true ownership and collection authority must be verified under UCC Article 9 and applicable state laws.

My Formal Demands : Cease-and-Desist : Immediately stop all collection and reporting activities related to this disputed account until validation is completed. 

Forward Flow Agreement & Chain of Ownership : Provide any agreements or contracts between your organization and third parties related to the sale, transfer, or assignment of this account, including all Forward Flow Agreements. 

Debt Validation : If you claim this debt is valid, provide the complete chain of title and legal proof that you have the right to collect.

Securitization Details : If the debt has been securitized, provide all relevant details confirming the current holder and any involved trusts. 

Account Deletion : If proper documentation can not be provided, the account must be deleted from my credit report immediately. 

Failure to comply with these legal obligations within the required timeframe will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 1681n & 1681o.

Please confirm the resolution of this matter in writing. I expect full compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and all applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief