Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : RE : FORMAL DISPUTE OF DEROGATORY, COLLECTION, AND CHARGED-OFF ACCOUNTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) To Whom It May Concern : This letter is a * * formal dispute * * and * * demand for deletion * * of all derogatory, inaccurate, unverifiable, or obsolete accounts listed below. I am asserting my rights under : - * * FCRA 609 ( a ) ( 1 ) * * Right to view full file and documentation - * * FCRA 611 ( a ) * * Right to dispute and reinvestigate inaccurate items - * * FCRA 623 ( a ) ( 5 ) * * Duty of furnishers to report accurate data - * * FDCPA 809 ( b ) * * Right to request debt validation from XXXX These items are being reported without proper verification, original signed contracts, or legal debt validation. They * * must be removed immediately * * or verified with full documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$870.00} - * * Violations : * * - FCRA 623 Inaccurate balance and status - FDCPA 809 No debt validation provided - FCRA 611 Reporting charged-off debt with unresolved dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$0.00} - * * Violations : * * - FCRA XXXX No signed agreement provided - FDCPA 809 No validation from collector - FCRA XXXX Unclear charge-off and ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$8100.00} - * * Violations : * * - FCRA 611 Reporting disputed data as meets requirements - FDCPA 809 No proof of assignment from original creditor - FCRA XXXX No contract or legal substantiation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$610.00} - * * Violations : * * - FCRA 623 Incomplete data from furnisher - FDCPA 809 No itemization or XXXX authorization - FCRA 609 Reporting without validation - * * Violations ( All ) : * * - FDCPA 809 No proof of debt ownership or legal authority - FCRA XXXX Continued reporting despite active disputes - FCRA 623 Reporting XXXX XXXX with no consent under XXXX -- - # # # DEMAND FOR ACTION : You are required by federal law to either : XXXX. * * Delete * * each account listed above within * * XXXX days * *, XXXX XXXX. Provide the following for each : - Original signed contracts or applications - Complete payment history - Legal proof of assignment or ownership - Itemized breakdown of the debt Failure to act in compliance will result in : - Formal complaints with the * * CFPB, FTC * *, and * * State Attorney General * * - Possible * * civil litigation * * under * * FCRA 616 * * and * * FDCPA 813 * * You have XXXX calendar days from receipt of this notice to respond with proof or delete the accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief