Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate and Unverified Account Reported by XXXX  XXXX XXXX Dear Equifax XXXX XXXX am writing to dispute the reporting of a collection account by XXXX  XXXX XXXX currently appearing on my credit report. This account contains multiple inaccuracies and appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F under the CFPB. Grounds for Dispute : 1. Inconsistent and Incomplete Payment Information The account reports no payment info while simultaneously displaying a payment history chart a clear contradiction and a violation of FCRA 607 ( b ) which requires furnishers to maintain maximum possible accuracy. 2. Discrepancies Across Bureaus The account is being reported inconsistently across TransUnion, Equifax, and other bureaus, with different opening dates and varying account information. This violates FCRA 623 ( a ) ( 1 ) ( A ) which requires consistent, accurate reporting across all consumer reporting agencies. 3. Incorrect Account Status and Type The account is marked as open though it is a collection account, which should be marked as closed with a balance due. The account type is listed as no info, which is incomplete and misleading. 4. Lack of Verification from Furnisher I have twice submitted a method of verification request directly to XXXX XXXX XXXX and have received no response. Under FCRA 611 ( a ) ( 7 ), I am legally entitled to a method of verification from the credit bureaus as well, including : The name and contact information of the party who verified the account. The date and method of verification. Copies of any documentation used in the process. XXXX. No Original Contract or Legal Proof of Debt Ownership I have never entered into any contract with XXXX  XXXX XXXX and demand the original signed agreement proving that I owe this debt. I also request documented proof of : Who gave them permission to collect on this account. Who they spoke with to verify this debt including the name, date, time, and phone number of the individual they claim to have contacted to verify this debt belongs to me. XXXX. Violation of Regulation F ( 12 CFR Part 1006 ) Impact XXXX XXXX has failed to provide initial validation within 5 days of first contact as required under 1006.34 ( a ). Additionally, they have not provided itemization or substantiation of the debt, in violation of 1006.34 ( c ). Continuing to report the debt without proper validation after disputes is a violation of 1006.30 ( a ), which prohibits false, deceptive, or misleading representations. Formal Demand : Under FCRA 611, I am demanding that you : 1. Investigate and verify the accuracy and completeness of this account. 2. Delete the account if it can not be verified with full documentation. 3. Provide me with a written method of verification including all documentation used. 4. If verification is not possible within 15 days, as this is my second request, the account must be removed immediately in accordance with FCRA provisions. Enclosures : A copy of my government-issued ID A current utility bill for address verification Screenshots and records of previously submitted disputes and requests to the furnisher Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly legal action under FCRA 616 and 617, and FDCPA 813 ( 15 U.S.C. 1692k ). Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation