Consumer complaint received 2025-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Date : XX/XX/year> To Whom It XXXX Concern, Subject : Formal Dispute and XXXX for XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and FDCPA This letter serves as a formal dispute of several collection accounts reported on my Equifax credit report, attached for your review. These accounts are damaging my credit profile and I am requesting an immediate investigation and deletion of any account that is inaccurate, outdated, or unverified. 

Accounts in Dispute ( as reported on Equifax XX/XX/year> ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX  ) Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} Legal Basis for My Dispute I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including the following : 1. Right to Accuracy FCRA 1681e ( b ) You are required to ensure that all information on my credit report is reported with the maximum possible accuracy. Failure to do so is a violation of federal law.

2. Right to Dispute and Investigate FCRA 1681i I dispute the validity of the accounts listed above. You are obligated to investigate these items within 30 days of receipt and delete them if they can not be verified.

3. Right to Validation FDCPA 809 ( a ), 15 U.S.C. 1692g If these debts are being reported by third-party XXXX, I am requesting full validation, including : Copy of the original signed agreement Itemized account details Proof of debt ownership and legal right to collect Chain of assignment from the original creditor 4. Right to Removal of Unverified Accounts FCRA 1681i ( a ) ( 5 ) Any item that can not be verified must be promptly removed from my credit report.

5. Requirement to Mark Disputed Accounts FCRA 1681s-2 ( a ) ( 3 ) During the investigation, the disputed accounts must be marked as " in dispute. '' Requested Actions I formally request that you : Conduct a thorough investigation of each disputed account Validate each collection or delete it if verification can not be completed within 30 days Mark these accounts as disputed on my credit file during the investigation Provide me with written confirmation of the outcome Attached Documents Copy of my Equifax credit report ( highlighted with disputed items ) Copy of government-issued ID Proof of address ( utility bill or bank statement ) If these accounts are not verified and removed accordingly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) , and reserve the right to pursue legal action for damages under FCRA 1681n & 1681o and FDCPA 813 ( 15 U.S.C. 1692k ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief