Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXXXXXX XXXX XXXX Account ( {$1800.00} ) Dear Equifax Dispute Department, I am writing to formally dispute a collection account reported under the name XXXX XXXX XXXX, in the amount of {$1800.00}, which appears on my Equifax credit report. I am requesting that this account be permanently deleted, as it is either inaccurate, unverifiable, or reported in violation of federal consumer protection laws. 

Legal Basis for My Dispute and Deletion Request : 1. 15 U.S.C. 1681b Permissible Purpose This statute prohibits the furnishing or use of consumer report information unless it serves a legally authorized and verifiable purpose. I never authorized or entered into any agreement with XXXX XXXX XXXX, and no such permissible purpose exists. 

2. 31 U.S.C. 5118 Discharge of Debt Obligations This provision supports my right to dispute financial obligations not lawfully created under my identity or Social Security number and prohibits reporting of debts without valid legal origin. 

3. 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Any failure by a credit reporting agency to remove or correct false or unverifiable data after notice constitutes negligence under the FCRA, and you may be held civilly liable for actual damages.

4. 12 CFR 1026.13 & 15 U.S.C. 1666b Billing Error Dispute Resolution & Payment Timing Protections These statutes require timely and fair investigation of billing disputes and prohibit inaccurate late reporting based on misapplied or unverified payment claims. No billing error validation or breakdown has been provided for this alleged debt. 

5. 15 U.S.C. 1692c ( c ) FDCPA : Cease Communication Once a debt is disputed, any further collection attempts ( including reporting to a CRA ) must cease unless full validation is provided. No such validation has been submitted. 

6. Regulation F 12 CFR Part 1006 This rule under the FDCPA mandates detailed itemization, validation notice compliance, and debt collector transparency. XXXX XXXX has failed to provide any such legally required documentation. 

7. Regulation V FCRA Enforcement and Furnisher Responsibilities Under Regulation V, furnishers like XXXX must conduct a reasonable investigation, accurately report account details, and correct any unverifiable or false data. Failure to do so warrants removal. 

Request for Supporting Documentation : As part of this dispute and per FCRA standards, I am also formally requesting the following documentation : 1. A validation letter from the original creditor 2. A copy of the assignment contract proving that XXXX XXXX XXXX has the legal right to collect or report this debt 3. A Forward Flow Agreement, showing the terms under which the debt was acquired 4. A complete itemized breakdown of the alleged balance If Equifax or the data furnisher can not provide this documentation within the allowed time frame, you are legally obligated to delete this account from my credit report in accordance with 15 U.S.C. 1681i. 

My Formal Requests : Immediately delete the XXXX XXXX XXXX account ( {$1800.00} ) from my Equifax credit file Block it from future reinsertion under FCRA 1681c-2 Provide written confirmation of deletion and the results of your investigation Ensure Equifaxs ongoing compliance with FCRA, FDCPA, Regulation V, and Regulation F I take my rights under federal consumer law seriously. Should Equifax fail to take appropriate and lawful action, I am prepared to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel if necessary. 

Sincerely,

Company response to consumer: Closed with explanation