Consumer complaint received 2025-11-01 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:
Direct Furnisher Validation & Dispute AssetCare ( Medical ) Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX Copy : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/year> Subject : Direct Furnisher Dispute & Validation Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} ) Also Reporting to Experian ( Report dated XX/XX/year> ) Dear AssetCare Disputes Department : I dispute the accuracy and completeness of the medical collection you are furnishing to consumer reporting agencies for XXXX XXXX XXXX XXXX in the approximate amount of {$980.00}. This item appears on my Experian report dated XX/XX/year>. 

A. Direct-Furnisher Duties ( FCRA 623 ( a ) ( 8 ) ; 12 C.F.R. 1022.43 ) This is a direct dispute. Please conduct a reasonable investigation and correct or delete any information that is inaccurate, incomplete, or can not be verified. While this dispute is pending, you must report the tradeline as disputed using the appropriate XXXX XXXX Compliance Condition Code ( e.g., XB ). 

Provide the following within XXXX  days : Itemized accounting of the alleged amount ( principal, adjustments, interest, fees, payments/credits ). 

The Date of First Delinquency ( DOFD ) that you are furnishing ( as required by FCRA 623 ( a ) ( 5 ) ) and the date you XXXX  reported to any CRA. 

Chain of title/assignment documentation establishing your authority to collect and furnish. 

Original Creditor details ( XXXX XXXX XXXX Solutions ) : name, address, and copies of the underlying billing records ( XXXX or itemized statements ) sufficient to substantiate the amount furnished. 

The exact data furnished to each CRA ( including key XXXX fields such as Portfolio Type, Account Status, DOFD, Payment Rating/History Profile, Special Comment/Compliance Condition/CII ) XXXX 

Copies of any notices sent to me ( e.g., your initial dunning letter ), with dates and addresses used. 

Written confirmation that no diagnosis/treatment codes or other prohibited medical details have been disclosed to any party, and that your credit reporting complies with applicable medical-debt privacy constraints. 

If you can not fully verify each element above with competent documentary evidence, you must immediately delete this collection from all CRAs and send me written confirmation of deletion. 

B. Communications Under FDCPA 15 U.S.C. 1692c ( c ), please limit communications to XXXX Mail only at my address above. Do not call, text, email, or contact third parties. 

Enclosures : ( XXXX ) Copy of XXXX  page showing XXXX XXXX entry ( dated XX/XX/year> ) ( XXXX ) Government ID ( copy ) ( XXXX ) Proof of address Sincerely, XXXX XXXX XXXX XXXX XXXX TX XXXX Legal Basis ( Title 15 U.S.C. ) : FCRA ( 15 U.S.C. 1681 et seq. ) incl. 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 611 ( a ) ( 5 ), 623 ( a ) ( 5 ), 623 ( a ) ( 8 ) ; FDCPA ( 15 U.S.C. 1692 et seq. ) incl. 1692g ( b ), 1692c ( c ) ; GLBA ( 15 U.S.C. 68016809 ). See law.cornell.edu for text.

Equifax FCRA 611 Reinvestigation + 611 ( a ) ( 7 ) Method of Verification To : Equifax Information Services LLC XXXX Department XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/year> Subject : FCRA 611 ( a ) Reinvestigation & 611 ( a ) ( 7 ) Method of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx . {$980.00} ) Dear Equifax Dispute Department : I dispute the accuracy and completeness of any collection item associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the approximate amount of {$980.00}. Please conduct a reasonable reinvestigation under FCRA 611 ( a ) and provide a Method of Verification under FCRA 611 ( a ) ( 7 ). 

Requested actions and disclosures : Reinvestigate and delete this item unless the furnisher provides specific, competent verification of every field, including the Date of First Delinquency ( DOFD ) required by XXXX ( a ) ( XXXX ) and consistent obsolescence calculations. 

Provide the XXXX of XXXX : The name, address, and telephone number of each furnisher or data source contacted ; A description of your procedures ; The exact documents/data relied upon ( not generic references ). 

If any information is changed or deleted, notify all prior recipients as required by 611 ( d ). 

While reinvestigation is pending, accurately code the item as consumer disputes using the appropriate XXXX XXXX Compliance Condition Code ( e.g., XB ). 

Confirm there has been no re-aging and that post-charge-off late codes ( if any exist ) have not been added in violation of reporting rules. 

Confirm that any medical debt privacy restrictions were observed ( no prohibited treatment/diagnosis information furnished ). 

If you can not verify each element with specificity, delete the item and send me an updated report. I am enclosing identification and the relevant page from my consumer disclosures. 

Sincerely, XXXX XXXX XXXX XXXX, TX XXXX Enclosures : Government ID ; proof of address ; page ( XXXX ) showing AssetCare/US Acute ; any pertinent correspondence.

Legal Basis ( Title 15 U.S.C. ) : FCRA ( 15 U.S.C. 1681 et seq. ) incl. 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 611 ( a ) ( 5 ), 611 ( a ) ( 7 ), 623 ( a ) ( 5 ). See law.cornell.edu for text.

Company response to consumer: Closed with explanation