Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Date : XX/XX/2025 To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Validation Request XXXX XXXX XXXX ( {$2300.00} ) Dear Equifax XXXX Department, I am formally disputing a collection account currently appearing on my Equifax credit report from the following data furnisher : XXXXXXXX XXXX XXXX Balance : {$2300.00} I have no knowledge of this debt, and I never authorized or agreed to any financial obligation with this entity. Therefore, I am demanding the immediate and permanent deletion of this account from my Equifax file in accordance with federal consumer protection laws. 

Legal Basis for Dispute and Deletion : 15 U.S.C. 1681 ( o ) Civil liability for negligent noncompliance : Equifax is liable for any negligent failure to ensure that all information reported is accurate, verifiable, and lawfully obtained. 
Regulation F ( 12 CFR Part 1006 ) XXXX collection rules : Requires debt XXXX to provide clear, itemized validation notices, and to stop reporting if validation is not provided within the legal time frame. 
31 U.S.C. 5118 Discharge of debt obligations : No collector or bureau XXXX report or collect on financial obligations that lack legal standing or were not properly originated, transferred, or validated. 

Formal Debt Validation Request : As part of this dispute and per the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am formally requesting full validation of this alleged debt. Specifically, I request : XXXX. A copy of the original signed contract or agreement showing I am legally responsible for this debt XXXX. A full itemized statement detailing the alleged charges, including interest, fees, dates of service, and the original balance XXXX. A copy of the assignment contract between the original creditor and XXXX XXXX XXXX, proving legal right to collect and report this debt XXXX. A Forward Flow Agreement, showing the legal terms and date of transfer or sale of this debt XXXX. Proof that this account has been reported in compliance with Regulation F and all applicable provisions of the FCRA If XXXX XXXX Solutions or Equifax can not provide this documentation within 30 days, you are legally required to delete this account from my credit report per 15 U.S.C. 1681i. 

My Formal Requests : XXXX. Immediately reinvestigate and permanently delete the disputed XXXX XXXX Solutions account. 

XXXX. Provide a written statement confirming the results of your reinvestigation. 

XXXX. Ensure the account is not reinserted without full, documented re-verification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Failure to comply XXXX result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other legal remedies available under 15 U.S.C. 1681n & 1681o. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief