Consumer complaint received 2025-05-20 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 & Notice of Regulation F Violation To Whom It May Concern : I am writing regarding the above-referenced collection accounts " IC System '' " XXXX XXXX XXXX XXXX XXXX which your office is currently reporting to the nationwide credit bureaus with an open status and a balance owed. This reporting is inaccurate and misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), as implemented by Regulation F ( 12 C.F.R. Part 1006 ). 1. Inaccurate & Misleading Reporting Violates FCRA Under the FCRA, furnishers must report only complete and accurate information. By reporting this account as still open you have failed to ensure accuracy and have misrepresented the accounts true status to the credit bureaus. This is a direct violation of 15 U.S.C. 1681s-2 ( b ), which requires you to : 1. Conduct a reasonable investigation of any dispute ; 2. Correct or delete any information you can not verify as accurate ; and 3. Promptly notify each credit bureau to which you furnished the inaccurate information so that my file may be corrected. 2. Violation of FDCPA & Regulation F Regulation F, which implements the FDCPA 's requirements for debt collection communications, expressly prohibits false, deceptive, or misleading representations in connection with the collection of any debt ( 12 C.F.R. 1006.14 ). By continuing to report an open balance, you are conveying a false implication that I remain obligated and that the account is active, which materially misleads both me and third parties reviewing my credit. 3. Demand for Specific Verification Pursuant to 15 U.S.C. 1692g and Regulation F validation requirements ( 12 C.F.R. 1006.34 ), I hereby demand the following detailed verification of this debt within 30 days of your receipt of this letter : The name, title, and affiliation of any individual you interviewed to confirm the debt ; The telephone number dialed to reach that individual ; The date and exact time of that conversation ; The documentation you obtained, including the original creditors signed contract or agreement ; A complete payment history and itemization of all fees, interest, and charges ; The date ( s ) and content of every communication you furnished to each credit reporting agency regarding this account. I request a original contract with signature, transfer of assignment, bill of sale, and also paperwork stating you have the right to collect on this debt within my state. If you can not provide irrefutable proof that this debt is valid, that you have my authorization to report it, and that the account is indeed you must : 1. Immediately cease reporting any balance or open status to all credit bureaus ; 2. Delete all references to this account from my credit files ; 3. Provide me written confirmation of these actions. 4. Reservation of Rights If you fail to perform a proper investigation, correct the record, or cease reporting inaccurate information, I will exercise all remedies available under the FCRA and FDCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office, as well as pursuing any available civil claims for damages Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation