Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collection Accounts and Late Payments Dear CFPB I am writing to formally dispute certain items on my credit report under my legal rights afforded by the Fair Credit Billing Act ( 15 USC 1666b ) and the Fair Debt Collection Practices Act ( 15 USC 1692g ) ( 15 USC1681B ( 2 ) I request that the following collection accounts and late payments be thoroughly investigated and removed from my credit report due to inaccuracies and potential violations of these statutes.

Specifically, under 15 USC 1666b, I believe the reported late payments and collection accounts may not comply with the required notice provisions, error correction, or proper reporting of information. Additionally, under 15 USC 1692g, I dispute the validity of these debts as they may not have been properly validated in accordance with the Act.

Please find the details of the disputed accounts below : XXXX XXXX XXXX  Account Number : XXXX {$1000.00} Disputed Issue : I never gave this company any consent written or verbal to put these items on my credit report nor do I know who they are XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$320.00} Disputed Issue : THIS IS REPORTED ON MY CREDIT AS A LATE PAYMENT AND I HAVE NEVER HAD T MOBILE. I CAN NOT HAVE A LATE PAYMENT FOR SOMEHING I HAVE NEVER HAD XXXX. XXXX XXXX XXXX ACCT # XXXX {$2000.00} ACCT # XXXX {$1300.00} ACCT # XXXX {$1300.00} ACCT # XXXX {$2200.00} ACCT # XXXX {$960.00} Dispute Issue : I do not know who this company is let alone I have never given consent written or verbal and unsure how they are reporting this as past due on credit report and keep updating the debt as if it is a new debt. This fraud and these items need to be removed from credit and be able to resell my information to whomever because I never anyone the right to sell my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} I am requesting that you investigate these accounts under the provisions of 15 USC 1666b and 15 USC 1692g. If the creditor fails to provide proper documentation or validation of the debt, I request that you remove the collection account ( XXXX ) and late payments from my credit report in compliance with the Fair Credit Reporting Act. 
In the event that the debt is valid and verified, I would appreciate a complete itemized statement from the creditor or debt collector to confirm that the account ( XXXX ) are being reported correctly. 
I understand that, according to the Fair Credit Reporting Act, you are required to conduct an investigation within 30 days of receiving this dispute and notify me of the results. 
Thank you for your prompt attention to this matter. Please provide me with written confirmation of the removal of the disputed items or an explanation of the findings from your investigation. 
Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief