Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX, Texas XXXX XX/XX/year> **To : ** Experian, Equifax , TransUnion , and Relevant Creditors **Subject : ** Formal Dispute of Inaccurate Credit Information Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as reported by your agencies. I have identified several delinquencies and errors that require immediate attention and correction. In accordance with the **Fair Credit Reporting Act ( FCRA ) ** and other relevant laws, I request the following documentation and proof to validate the alleged debts : **Requested Documentation : ** 1. **Original Contract or Agreement** : A copy of the original signed contract or purchase agreement, including all terms, conditions, and amendments. 2. **Proof of Debt Ownership** : Documentation showing the chain of ownership from the original creditor to the current debt holder, with no breaks or discrepancies. 3. **Payment History** : A complete accounting history from the original creditor, detailing all payments made ( dates and amounts ) and the **Date of First Delinquency**. 4. **Interest and Fees Validation** : Proof that any interest or fees were agreed upon in the original contract and are lawful. 5. **Legal Authorization** : Verification of your legal authority to collect this debt in the state of Texas, including your **Third-Party Debt Collection Bond**. 6. **Compliance Notices** : Copies of all legally required notices sent to me before reporting this debt to credit bureaus, ensuring compliance with laws prohibiting " debt parking '' without proper notification. **Legal References : ** I draw your attention to the following federal laws, which protect consumers from unfair practices : **Fair Credit Reporting Act ( FCRA ) * : Governs the accuracy and fairness of credit reporting. - **Fair Debt Collection Practices Act ( FDCPA ) * : Prohibits abusive debt collection practices. - **18 U.S. Code 241** : Prohibits conspiracy against rights. - **18 U.S. Code 242** : Criminalizes deprivation of rights under color of law. - **18 U.S. Code 1028** : Prohibits fraudulent use of identification documents. **Section 7 of the Privacy Act : ** While Section 7 of the Privacy Act primarily applies to government agencies, it underscores the importance of protecting personal information, including Social Security Numbers ( SSNs ). Under Section 7 : - Government agencies can not deny benefits or rights solely because an individual refuses to provide their SSN, unless required by federal law or pre-1975 systems. - Agencies must inform individuals whether providing an SSN is mandatory or voluntary, the legal authority for requesting it, and how it will be used. Although Section 7 does not apply to private creditors, it highlights the broader principle of protecting consumer rights and ensuring transparency in the use of personal information. **Next Steps : ** I urge you to investigate these discrepancies promptly and provide the requested documentation within **30 days**, as required by the FCRA. If the debts can not be validated, I request that they be **removed from my credit report** immediately. Failure to comply with this request may result in further action, including filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** or pursuing legal remedies under the FCRA and FDCPA. Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. Sincerely, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation