Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Website : www.nationalcreditsystems.com Subject : Formal Dispute and Demand for Verification of Alleged Debt To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information being reported by XXXX XXXX XXXX XXXX XXXXXXXX on my credit report. According to my records, XXXX XXXX XXXX is listed as the original creditor, which contradicts their classification as a collection firm. This misinformation is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my ability to secure housing, transportation, and other financial opportunities. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Open Date : XX/XX/XXXX Last Reported Date : XX/XX/XXXX Issues Identified : No payment history provided No indication of whether this was a loan, credit card, or other financial product No verification of the balance or how the reported amount was calculated No contact information for resolution Legal Violations and Demand for Immediate Action Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I demand that Equifax Information Services LLC and XXXX XXXX XXXX XXXX XXXX provide complete verification of this alleged debt, including but not limited to : XXXX signed contract or agreement proving I authorized this debt. 
XXXX full itemized breakdown of the balance being reported. 
XXXX that XXXX XXXX XXXX XXXX XXXX has XXXX legal authority to report this debt as the original creditor. 
XXXX documentation on the nature of the account, including whether it was a loan or credit account. 

If XXXX XXXX XXXX XXXX XXXX fails to provide proper verification, this will constitute violations of the following laws : FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ( 15 U.S.C. 1681c-2 ) Prohibits reporting inaccurate or unverifiable information.

5 U.S.C. 552a ( i ) ( 3 ) Addresses unlawful disclosure and failure to maintain accurate records. 18 U.S.C. 1028A Addresses identit
y fraud and unauthorized use of personal information.

15 U.S.C. 1681b Governs the permissible purposes for obtaining and reporting consumer credit information. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX XXXX must cease all collection activities until proper validation is provided. Courts have consistently ruled that failure to provide requested validation while continuing to report the debt constitutes a legal violation ( Jang v. A.M. Miller & Assocs., 122 F.3d 480 ( 7th Cir. 1997 ) ; Smith v. Transworld Systems Inc., 963 F.2d 1025, 1031 ( 6th Cir. 1992 ) ).

Next Steps If this matter is not resolved within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action for statutory damages as permitted under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA.

I request that Equifax Information Services LLC immediately remove this inaccurate and unverifiable account from my credit report and that XXXX XXXX XXXX XXXX XXXX provide full verification of the debt or remove the account from their records. 

Please respond to this dispute in writing within the required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief