Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX Date : XX/XX/year> To : Experian, Equifax, TransUnion Subject : Dispute of Inaccurate and Unlawfully Reported Accounts under 15 USC 1692c and 15 USC 1666b I am writing to formally dispute and demand the removal of certain accounts reported on my credit profile that violate federal consumer protection laws. This letter serves as notice that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ) and that I am invoking those rights now.

1. Violation of 15 USC 1692c Communication Restrictions The Fair Debt Collection Practices Act, 15 U.S.C. 1692c, restricts how and when a debt collector may contact a consumer. If any collection account listed on my credit report was added without my explicit consent, proper verification, or without following the communication protocols mandated by this statute, then the reporting of such accounts is in direct violation of the law. 

Furthermore, if this debt was discussed, shared, or disclosed with any third party without my express permission, that also constitutes a serious violation of the FDCPA. 

Therefore, I am demanding the immediate deletion of the following collection account ( s ) : Creditor/Collector Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Failure to adhere to consumer communication rights under 15 USC 1692c 2. Violation of 15 USC 1666b Improper Billing and Reporting Practices Under 15 USC 1666b, creditors are required to provide adequate notice and allow sufficient time to address billing issues before applying late fees or reporting delinquencies. If any of the negative accounts listed on my credit profile were reported without proper billing practices or if payments were not applied according to regulation, then these entries are being maintained in violation of federal law. 

Additionally, negative reporting without affording me a fair dispute process violates both the letter and the spirit of TILA. You are legally obligated to investigate and remove any inaccurately reported information.

Therefore, I am disputing the following negative account ( s ) under 15 USC 1666b : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Violation of fair billing and dispute practices under 15 USC 1666b 3 . Request for Immediate Action In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete an investigation within 30 days of this dispute and respond with written confirmation of your findings. If you are unable to verify these accounts or confirm compliance with the above-mentioned laws, they must be permanently removed from my credit file. 

Please send all responses in writing to the address above. I also request a new copy of my credit report showing the deletion or correction of the disputed entries. 

Failure to respond or comply within the allotted timeframe will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly civil litigation to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief