Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Validation Request XXXX XXXX ( {$870.00} ) & XXXX ( {$510.00} ) Dear Credit Bureau XXXX Department, I am writing to formally dispute the accuracy and validity of XXXX collection accounts currently appearing on my credit reports from your agency. These accounts are listed as follows : XXXX. XXXX Collect {$870.00} XXXX. XXXX {$510.00} I do not recognize these debts, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding that these accounts be permanently deleted from my credit reports across all three credit bureaus, unless full legal validation is provided.

Legal Grounds for Dispute & Deletion : 15 U.S.C. 1692c ( c ) Cease Communication Request I am invoking my right to request no further communication or reporting on these accounts unless proper validation is provided. Any continuation without such documentation is a direct violation of federal law.

31 U.S.C. 5118 Discharge and Settlement of Debt This law supports my right to challenge debts not legally originated or enforced under my identity or authority. No valid contract exists between me and the parties attempting to collect.

15 U.S.C. 1637 ( b ) Billing Accuracy and Itemization The reporting entities are required to provide clear, itemized documentation and validation of each amount alleged. None has been provided. 

Validation Request : As part of my dispute, I am demanding the following documentation from each data furnisher : A debt validation letter for each account A copy of the original signed contract between myself and the original creditor A complete payment history and itemized accounting of how the balance was calculated A copy of the assignment contract proving that the debt collector ( XXXX XXXX  and NATLCRSYS ) legally owns the debt and has the right to collect A forward flow agreement outlining the legal terms and conditions under which the debt was transferred or sold If this documentation can not be provided within the timeline allowed under the FCRA ( 15 U.S.C. 1681i ) and FDCPA, these accounts must be permanently deleted and blocked from any future reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Requested Actions : Immediately reinvestigate and delete the XXXX XXXX  and XXXX accounts from my credit reports Permanently block these accounts from future reappearance Provide a written response and confirmation outlining the outcome of your investigation Ensure that all reinvestigation and reporting procedures comply with FCRA and FDCPA standards Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 
Thank you for your prompt attention to this matter. I expect a lawful and timely resolution within 30 days as required under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief