Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of these debts. ( Please see below list of these debt ) I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt. 
To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXXXXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to an uneventful resolution of this matter. 

Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} Account Info Account Number XXXX Open/Closed Closed XX/XX/XXXX Date Opened XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Account Info Account Number XXXX Open/Closed Closed XX/XX/XXXX Date Opened XX/XX/XXXX XXXX XXXX {$2400.00} Account Info Account number XXXX Open/Closed Closed Date Open XX/XX/XXXX XXXX XXXX {$10000.00} Account Info Account Number XXXX Open/Closed Closed Date Open XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} Account Info Account Number XXXX Open/Closed Closed XX/XX/XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} Account Info Account number XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief