Consumer complaint received 2025-06-24 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:
XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute & Validation Request Unrecognized Collection Accounts Dear Equifax Dispute Department, I am writing to formally dispute the accuracy, validity, and legal reporting of the following collection accounts currently appearing on my Equifax credit report : XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$0.00} I do not recognize these accounts as mine. I have never received proper validation or communication from these collectors, and I suspect these accounts may be erroneous or the result of identity theft. Therefore, I am invoking my rights under federal consumer protection laws and request a full reinvestigation and permanent deletion of these entries unless they can be lawfully verified.

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) : Debt collectors must cease all reporting and collection activities upon a written dispute unless full validation is provided.

15 U.S.C. 1692g : Requires that collectors furnish a written notice of debt and full validation upon request.

Regulation F ( 12 CFR Part 1006 ) : Requires itemized disclosures and lawful notice per FDCPA rules.

31 U.S.C. 5118 : Prohibits enforcement or reporting of debts that lack lawful origination or documentation.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure " maximum possible accuracy '' of reported information.

15 U.S.C. 1681i : Mandates reinvestigation of disputed items and deletion of unverifiable data within 30 days. 
Debt Validation Request : For each account listed above, I am requesting the following : A signed agreement bearing my name and signature proving my legal obligation. 
A full itemized statement breaking down the alleged amount, including interest, fees, and payment history.

A copy of the assignment contract transferring the debt from the original creditor to the current collector.

A Forward Flow Agreement authorizing the current collector to collect and report this debt.

Requested Actions : Conduct a reinvestigation of the listed accounts immediately.

Permanently delete these accounts if they can not be fully validated with lawful documentation.

Block future reinsertion of these accounts unless they are verified in strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the reinvestigation outcome and actions taken. Failure to comply within the legally required 30-day time
frame will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). I will also consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent violations of my consumer rights.

Thank you for your immediate attention to this matter. I expect a complete and lawful resolution. 
Sincerely, XXXX

Company response to consumer: Closed with explanation