Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute of Alleged Debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo Whom It May Concern : I am writing in reference to the above-referenced alleged debt that has been reported on my credit report and is currently being pursued by your agency. This letter serves as a formal notice of dispute under the * * Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXXg XXXX XXXX  and the XXXX XXXX  Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and demands immediate validation of the debt as required by law. 

THIS IS A NOTICE OF DISPUTE. 

I am requesting the following in compliance with 15 U.S. CXXXXe XXXXg ( b ) : XXXX. The name and address of the original creditor ; XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A complete accounting of the alleged balance including interest, fees, and charges ; XXXX. Proof that your agency has legal standing and has purchased or been assigned the alleged debt ; XXXX. Proof that you are licensed to collect in my state ; XXXX. A copy of the notice of assignment from the original creditor to your agency. 

NO CONTRACT EXISTS I do not have any contractual agreement with XXXX XXXX XXXX. You are not the original creditor, and I have no obligation or legal relationship with your agency. Under contract law, a valid agreement must include mutual assent and consideration. You have failed to provide any such proof, therefore you are attempting to enforce a contract to which I am not a party. 

REPORTING VIOLATIONS Reporting this unverifiable debt to the credit bureaus without sufficient documentation is a direct violation of the FCRA, 15 U.S.C. XXXX ( b ), which requires data furnishers to report accurate and complete information and investigate disputes in a timely manner. Continued reporting of this account without proper verification is willful noncompliance, subject to statutory and punitive damages. 

Additionally, your failure to provide adequate verification while continuing collection activity and furnishing data to credit bureaus violates the FDCPA and may be construed as deceptive, misleading, and unfair practices under XXXX and XXXX. 

LEGAL NOTICE If you fail to : * Cease collection activity, * Provide the required validation within XXXX days, * Remove this tradeline from all consumer reporting agencies, I will pursue legal action for willful violations of the FDCPA and FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This is your opportunity to correct this matter before further legal remedies are pursued. I am keeping detailed records of all correspondence for use in future legal proceedings. 

You are hereby instructed to communicate only in writing regarding this matter. Any future contact attempting to collect this alleged debt without validation will be considered continued collection activity in violation of federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation