Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX * ACCOUNTS * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear : TRANSUNION, EQUIFAX, & EXPERIAN This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability.

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I request that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state.

Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity.

You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account.

Verify the account with complete and accurate documentation from the furnisher ( debt collector ).

Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe.

Remove all unauthorized inquiries.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action.

I expect a written response within XXXX  days from receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Bureau, I am writing to dispute inaccurate information that is appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect or incomplete. 

Please investigate the following inaccuracies and remove or incorrect information except : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone : XXXX XXXX Enclosed are copies of documents supporting my claim, along with proof of my identity and address. 

Please provide written confirmation of your investigation results and an updated copy of my credit report once the corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief