Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Verification XXXX XXXX XXXX Accounts Dear Equifax, I am writing to formally dispute XXXX accounts currently being reported on my Equifax credit file by XXXX XXXX XXXXXXXX ( also referred to as XXXX XXXX These accounts are listed only on Equifax and are not reporting to XXXX, and XXXX of them was removed from XXXX  after being successfully disputed due to inaccurate and unverifiable information, in violation of federal law. 



Despite the removal from XXXX, these same accounts remain on my Equifax report and continue to contain several material inaccuracies. Additionally, XXXX of the accounts was reinserted into my Equifax report without providing me the legally required notice within five days, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 



Disputed Account Issues : 1. Accounts Reporting Only to Equifax This is a red flag for accuracy and suggests potential data suppression or selective reporting.

2. Reinsertion Without Notification You have reinserted an account from XXXX XXXX without giving me proper notice within five ( 5 ) business days, as required by the FCRA.

3. Account Status The accounts are marked as Open which is inaccurate for collection accounts, especially those that have been open for over five years and XXXX months. 

4. Statute of Limitations According to Illinois state law, the statute of limitations on debt collection is 5 years for written contracts ( 735 ILCS 5/13-205 ). This means XXXX XXXX may not have legal standing to enforce or sue on this debt if it is beyond that period.

5. Lack of Verification I demand a complete method of verification under FCRA 611 ( 15 U.S.C. 1681i ). I request : The name, date, and time of the person Equifax contacted to verify this debt. 

The phone number and address of the verifying party. 

The original documentation used to verify this account as belonging to me. 

A written explanation of the process you used to verify the data.

Applicable Violations : FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify consumer within 5 days of reinsertion. 



FDCPA Violations ( for XXXX XXXX XXXX ) : 15 U.S.C. 1692e ( 2 ) False representation of character, amount, or legal status of debt.

15 U.S.C. 1692g ( b ) Continuing collection without proper validation.

15 U.S.C. 1692c ( a ) Contacting consumer at inconvenient times without consent.

Regulation F Violations ( 12 CFR Part 1006 ) : 1006.34 Failure to provide a validation notice with itemized information about the debt.

1006.42 Failure to ensure communication is clear and conspicuous.

1006.30 ( a ) Unfair or deceptive means in collection practices.

Demand for Immediate Action : 1. Immediately investigate both XXXX XXXX XXXX accounts. 

2. Provide written verification including the source of the information.

3. If this verification can not be provided within 15 calendar days, permanently delete the accounts from my Equifax credit report.

4. Provide a written response outlining the results of your reinvestigation and the documentation used to reach your conclusion.

Please note that failure to comply with these obligations under federal and state law will prompt me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Illinois Attorney General, and may result in legal action for damages resulting from inaccurate and unlawful reporting. 



I have enclosed proof of identity and address to assist with this investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation