Consumer complaint received 2025-03-01 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number XXXX To Whom It May Concern : This letter is a formal request for validation of the debt you are reporting on my credit file, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 15 U.S.C. 1681c, 15 U.S.C. 1681e, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the Identity Theft and Assumption Deterrence Act, 15 U.S.C. 1028A, to ensure the accuracy and legality of the information being reported to credit bureaus.

1. Debt Validation Request Under 15 U.S.C. 1692g, I request that you provide the following information to validate the debt : The name and address of the original creditor. 

The amount of the debt, including a detailed breakdown of any fees, interest, or charges. 

A copy of the signed contract or agreement that establishes my liability for this debt. 

Proof that you are legally authorized to collect this debt. 

Documentation showing the chain of ownership of the debt, including the date the debt was transferred or sold to your company.

Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this debt to credit bureaus.

2. Removal of Closed Accounts Under 15 U.S.C. 1681c, credit reporting agencies are required to remove obsolete information from credit reports. The following accounts are either closed or no longer relevant and should be removed from my credit report : XXXX  ( CLOSED ) XXXX XXXX ( CLOSED ) XXXX XXXX XXXX, XXXX ( CLOSED ) I request that you : Remove all closed accounts from my credit report, as they are no longer a reflection of my current financial status. 

Ensure that any accounts older than 7 years ( or the applicable time limit under the FCRA ) are removed, as required by law.

3. Removal of Soft and Hard Inquiries I have identified several soft inquiries and hard inquiries on my credit report that were made without my authorization or for which there was no permissible purpose under 15 U.S.C. 1681b. I request that you : Remove all unauthorized soft and hard inquiries from my credit report.

Provide documentation proving that these inquiries were made with my consent or for a permissible purpose.

4. Privacy and Permissible Purpose Under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I request that you disclose how my personal information was obtained and confirm that it was done in compliance with federal privacy laws. Additionally, under 15 U.S.C. 1681b, I request that you provide evidence of a permissible purpose for accessing my credit report.

If you can not provide proof of a permissible purpose, I demand that you immediately cease all reporting of this debt to credit bureaus and remove any existing entries related to this account.

5. Accuracy of Credit Reporting Under 15 U.S.C. 1681e, credit reporting agencies and furnishers of information are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. I have identified inaccuracies in the reporting of this account, including but not limited to : Incorrect account balances.

Misreported late payments.

Unauthorized or fraudulent accounts. 

If this debt is the result of identity theft or fraud, I am invoking my rights under 15 U.S.C. 1028A and request that you provide all documentation related to the investigation of this matter.

6. Removal of Inaccurate Information If you can not provide proper validation of this debt or if the information reported is inaccurate, I demand that you : Immediately remove all negative information related to this account from my credit report.

Notify all credit bureaus to which you have reported this debt to delete the entry. Cease all further collection attempts. 7. Cease and Desist If this debt is not validated within 30 days of receipt of this letter, I demand that you cease all collection activities and remove any related entries from my credit report. Failure to comply with this
request may result in legal action under the FDCPA, FCRA, and other applicable laws.

Please send all correspondence regarding this matter to the address listed above. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation