Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Perfect thanks for clarifying. Since you want a professional dispute/negotiation letter that cites UCC ( Uniform Commercial Code ) and federal consumer protection codes ( FCRA + FDCPA ), Ill draft a formal legal-style pace paper you can use as a foundation. 

Heres a tailored draft letter ( structured for maximum legal weight ) : -- - Draft Dispute & Negotiation Letter ( Charge-Off in Collections ) Your Name Your Address City, State, ZIP Code Date Via Certified Mail, Return Receipt Requested To : [ Creditor or Collection Agency Name ] [ Creditor/Collector Address ] City, State, ZIP Code XXXX - Re : Dispute and Request for Verification of Alleged Debt Account Number : [ Insert Account No. ] Dear [ Creditor/Collector ], I am formally disputing the validity of the above-referenced account, which you have reported as a Charge-Off / Collection. This letter serves as my demand for validation and correction under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and relevant provisions of the Uniform Commercial Code ( UCC ).

-- - 1. Debt Validation Required ( FDCPA 15 U.S.C. 1692g ) Provide verification of the debt, including the original signed contract or agreement bearing my signature. 

Provide the chain of title of the debt if it has been assigned or sold, per UCC Article 3 ( 3-301, 3-309 ).

Provide a complete payment history and accounting ledger showing how the alleged balance of $ [
Amount ] was calculated.

Failure to provide this documentation within 30 days will constitute your inability to validate the debt, and you must immediately cease all collection efforts and remove the account from any consumer reporting agencies.

-- - 2. Inaccurate Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ) Reporting an account as Charge-Off or Collection without full and accurate records is a violation of your duty under 1681s-2 ( a ) ( 1 ) ( A ) to furnish only accurate information.

If you can not produce valid documentation, you are required under 1681i to delete the tradeline from my credit report.

-- - 3. UCC Violations ( Uniform Commercial Code Article 3 & 9 ) Under UCC 3-501, I am entitled to presentment of the original negotiable instrument or contract. Without this, there is no lawful proof of claim.

Under UCC 9-210, I demand an accounting of the debt and verification of assignment rights if the account was sold or transferred. 

Absent lawful proof, any attempt to enforce or report this alleged debt may constitute fraudulent misrepresentation.

-- - 4. Settlement Offer ( Optional Use if You Want to Negotiate ) While I fully dispute the validity of this debt, I am willing to resolve this matter in good faith. 

If you wish to settle, I propose [ XX % of the balance as settlement in full ], contingent upon your written agreement to delete the tradeline ( Pay-for-Delete ) from all credit bureaus. 

Absent such agreement, I demand deletion for lack of proper validation.

-- - 5. Notice of Intent Be advised : Continued reporting of unverifiable information may expose you to civil liability under FCRA 616 & 617.

Any further collection efforts without validation may subject you to penalties under FDCPA 813 ( 15 U.S.C. 1692k ).

I reserve all rights under the UCC, FCRA, FDCPA, and applicable state law.

-- - Demand for Action I require a written response within 30 days of receipt of this letter. If you can not provide proper documentation, you must immediately : 1. Delete this tra
deline from all credit reports, and 2. Cease all collection efforts.

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

Sincerely, [ Your Full Legal Name ] [ Signature ] -- - This is a multi-layered legal approach it uses FDCPA ( debt validation ), FCRA ( credit reporting accuracy ), and UCC ( proof of claim/accounting ). It also leaves you the option to negotiate a pay-for-delete if you choose. 

Do you want me to format this into a ready-to-send PDF with professional letterhead ( so it looks official when mailed ), or keep it as a text template you can edit?

Company response to consumer: Closed with explanation