Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR REMOVAL OF DEROGATORY AND UNVERIFIABLE ACCOUNTS UNDER FCRA 609, 611, 623 AND FDCPA 809 Dear Equifax, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : -- - # # # DEROGATORY & COLLECTION ACCOUNTS UNDER DISPUTE XXXXXXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX * * - * * Account # : * * XXXX * - * * Balance : * * {$610.00} - * * Violations : * * - FCRA 611 Continued negative reporting after dispute - FCRA 623 Medical debt with no HIPAA-compliant consent - FDCPA 809 No proof of debt ownership or assignment XXXX. XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX * * - * * Account # : * * XXXX * - * * Balance : * * {$3100.00} - * * Violations : * * - FCRA 611 Derogatory status without reinvestigation - FDCPA 809 No debt validation provided - FCRA 609 No documentation of agreement or billing details XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$870.00} - * * Violations : * * - FCRA 611 Re-aged debt still showing as active - FDCPA 809 No legal collection notice - FCRA 623 Potential duplication of medical collections XXXX. XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$1600.00} - * * Violations : * * - FCRA 609 No signed contract or itemized history - FCRA 611 Incomplete or unverifiable reporting - FDCPA 809 No collector validation 5. * * Unknown Collector ( Medical ) * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : * * {$940.00} - * * Violations : * * - FCRA 611 Continued negative status without verification - FDCPA 809 No proof of medical debt ownership - FCRA 609 No signed documentation or billing file 6. * * Unknown Collector ( Medical ) * * - * * Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$550.00} - * * Violations : * * - FCRA XXXX No proof of current validity or ownership - FDCPA 809 No proper notification or documentation - FCRA 623 Reporting medical debt without HIPAA-compliant release -- - # # # DEMAND FOR LEGAL COMPLIANCE Pursuant to FCRA 609 and 611, I am requesting : - * * Deletion * * of each listed item, or - Full * * verification * *, including : - Original signed contracts or agreements - Proof of ownership and lawful reporting - Debt validation from any third-party collectors - HIPAA authorization for all medical debts Failure to comply within * * 30 days * * will result in : - Immediate complaints filed with the * * CFPB, FTC * *, and * * State Attorney General * * - Legal action under * * FCRA 616 * * and * * FDCPA 813 * * for damages and willful noncompliance Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief