Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, This letter serves as my formal rebuttal to the response submitted by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding Complaint # XXXX, concerning a collection account related to XXXX XXXX XXXX XXXX 

XXXX claims that I never contacted them or requested debt validation prior to this complaint. This is not entirely accurate, and even if true, my right to dispute and request validation remains protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regardless of the method or timing.

1. I Was Not Properly Notified of the Alleged Debt : XXXX claims to have mailed a Notice of Assignment to the last known address provided by XXXX. I did not receive this notice. 

A piece of mail simply not being returned as undeliverable does not prove it was received, especially considering how common address mismatches are when accounts are placed in collections.

2. First Awareness Came Through My Credit Report : I became aware of this alleged debt only after it was reported to the credit bureaus. I immediately disputed it with Equifax ( or relevant bureau ), yet XXXX maintained the reporting without providing full documentation until prompted by this CFPB complaint.

3. No Prior Contact Was Ever Made by XXXX That I Was Aware Of : XXXX mention of numerous telephonic attempts lacks substance unless logs or certified mail receipts are shown. 

I received no voicemails, no verified calls, and no traceable written correspondence from XXXX prior to seeing the item on my credit report.

4. Validation Provided After CFPB Complaint Does Not Equal Proper Validation at Time of Reporting : XXXX attached documents only after this complaint, meaning the account was credit reported without prior consumer-level validation, which may violate FCRA Section 623.

A signature card and transaction log do not automatically prove legal obligation or accuracy of the balance, particularly if fees, interest, or penalties have been applied without proper notice.

5. Account is Too Old to Report : The reported date of first delinquency is XX/XX/year>. Under FCRA guidelines, collection accounts are generally only reportable for 7 years from the original delinquency. 

This debt is aging into obsolescence and should not be subject to re-aging by restarting the timeline based on placement or renewed contact. 

I respectfully ask the CFPB to : XXXX XXXXXXXX XXXX XXXX XXXX. to show proof of prior notice before credit reporting occurred. 

Determine whether proper validation was ever provided before furnishing data to Equifax or other bureaus. 

Ensure the account is removed from my credit reports if it was reported without following proper FDCPA/FCRA procedures or if documentation remains insufficient. 

Clarify whether the account is still legally reportable based on its original delinquency date. 


I appreciate the CFPBs assistance and urge further review, as XXXX  response does not resolve my dispute or prove full compliance with consumer protection laws. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief