Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX To Whom It May Concern, RE : Formal Debt Validation Demand Multiple Accounts ( See Below ) This is a formal demand, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, for the immediate validation and removal of all of the following derogatory, inaccurate, and unverified accounts currently being reported on my credit profile. 

ACCOUNTS IN DISPUTE : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX Balance : {$3000.00} Reported to : TransUnion, Experian, Equifax XXXX ( XXXX XXXX XXXX ) XXXX Account # XXXX Balance : {$10000.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX XXXX  Account # XXXXXXXX XXXX Balance : {$590.00} Reported to : TransUnion, Experian, Equifax Account # XXXXXXXX XXXX Balance : {$190.00} Reported to : TransUnion only Unknown Creditor ( Equifax Only ) Account # XXXX Balance : {$620.00} Reported to : Equifax only DPT EDXXXX ( Dept. of Education/XXXX  ) Multiple Accounts : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} These appear to be duplicated and/or inflated entries in violation of the FCRA 1681e ( b ) and must be audited and removed immediately. 
VIOLATIONS & LEGAL BASIS FOR DISPUTE : You are now on notice that I formally dispute each of these accounts for the following legal reasons : You have not provided proper validation or itemization per 15 U.S.C. 1692g ( b ) ; Reporting inaccurate, outdated, duplicated, or unverifiable accounts is a direct violation of FCRA 1681e ( b ) ; Failure to mark these accounts as disputed violates FCRA 1681s-2 ( a ) ( 3 ) ; Reporting debts beyond the statute of limitations ( e.g., DPT EDXXXX with last activity in XXXX ) is a violation of FDCPA 1692e ( 2 ) ( A ) and 1692f ; The lack of uniform reporting across bureaus constitutes false and misleading representation ; You have failed to ensure maximum accuracy and completeness as required by law. 
DEMANDS : Immediate deletion of the above accounts from TransUnion, Equifax, and Experian ; Cease and desist all collection activity until proper validation is delivered ; Provide, within 30 days : Signed contracts for each debt ; Full itemized accounting ; Documentation of assignment/ownership ; Proof the accounts are not paid, discharged, or time-barred ; All notices sent to me and my rights as required under FDCPA 1692g. 
Failure to respond within 30 calendar days, or to continue reporting any of the above without verification, will result in : Immediate complaints filed with the CFPB, FTC, NC Attorney General, and XXXX XXXX XXXX ; Civil litigation under 15 U.S.C. 1692k and 1681n/o for statutory and actual damages ; Demand for attorneys fees and all other available remedies under law. 
I am documenting all correspondence. This is your final opportunity to resolve this amicably. Consider this your legal warning. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief