Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. 

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : 1. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 

2. Date of Last Activity.

3. A full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

4. An agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXX XXXX ( XXXX ) and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.

6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of bad debt is not proprietary or burdensome. 

7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) Under the FCRA, 15 U.S.C. 1681n ( b ) ( B ), in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), you are required to complete the investigation within 30 days from the receipt of this dispute letter. If you are unable to provide the requested documentation validating the debt, I kindly request that you promptly remove the collection account from my credit report.

Additionally, I am exercising my rights under the FDCPA, 15 U.S.C. 1692c ( c ), and request that you cease all communication with me regarding this alleged debt. If you continue to attempt to collect on this disputed account without validating the debt, you may be in violation of the FDCPA, and I will not hesitate to take legal action. 

Please send me written confirmation of the completion of your investigation, along with the results, and any necessary adjustments made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief