Consumer complaint received 2025-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed individual items that were wrongly reported with this company as mentioned in this letter. 
I am writing to formally request your intervention regarding inaccurate and unlawful reporting by the three major credit bureausExperian, XXXX, and Equifax. This request concerns late payments, collections, charge-offs, and a car repossession that have been improperly reported on my credit file. I believe these items should be deleted in accordance with federal law, specifically under provisions of the following sections : 15 U.S. Code 1681 ( 2Xi ) " Reasonable Procedures for Ensuring Accuracy '' 15 U.S. Code 1666b " Creditors Duty to Provide Accurate Reporting '' 15 U.S. Code 1692c " Communication in Connection with Debt Collection '' 15 U.S. Code 1692g " Validation of Debts '' 15 U.S. Code 1635 " Right to Cancel a Consumer Credit Transaction '' 15 U.S. Code 1681b ( a ) ( 2 ) " Permissible Purposes of Consumer Reports '' 15 U.S. Code 1681e ( b ) " Accuracy of Credit Reporting '' These statutes collectively underscore the legal obligations of creditors, collectors, and credit reporting agencies to ensure the accuracy of reported information, the proper handling of disputes, and the protection of consumer rights. I have reason to believe that the items in question are being reported in violation of these rights and responsibilities.

Inaccuracy and Lack of Proper Validation : According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain accurate records and delete or correct any information that is found to be inaccurate or unverifiable. If a negative item on my credit report is not properly validated, it must be removed. Furthermore, under 15 U.S. Code 1692g, I am entitled to a full and proper validation of any debts reported by collectors. If such validation has not occurred, these entries should be removed.

Failure to Follow Proper Procedures : The reporting agencies, XXXX, XXXX, and Equifax, have an obligation under 15 U.S. Code 1681b ( a ) ( 2 ) to only report information for permissible purposes, and under 15 U.S. Code 1681 ( 2Xi ) to ensure the accuracy of the data they report. These entries were reported without proper validation, and I have not been provided with clear documentation to substantiate their accuracy.

Right to Cancel : According to 15 U.S. Code 1635, I reserve the right to cancel any transaction under specific conditions, and if there was a failure on the part of the creditor or lender to adhere to legal standards in reporting, I am entitled to have these items removed.

Unlawful Collections Practices : Under 15 U.S. Code 1692c, debt collectors are prohibited from certain practices. If any collections activity violated these restrictions ( such as contacting me without proper notice or outside the boundaries established by the Fair Debt Collection Practices Act ), I assert my right to have these collections entries deleted.

In light of these statutory provisions, I respectfully request the immediate deletion of all late payments, charge-offs, collections, and any related car repossession entries from my credit report. Should these items fail to meet the legal standards for reporting, they must be deleted in accordance with the law.

I trust you will take the necessary steps to investigate and rectify these issues. Should you need any additional information or documentation to facilitate this process, I am prepared to provide it upon request. Please inform me of your actions as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation