Consumer complaint received 2024-09-28 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:
I am submitting a formal complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX on the Equifax credit report, with a balance of {$1000.00}, reported on XX/XX/year>. There is no creditor relationship with XXXX XXXX XXXX, and they have failed to provide any verification, such as an assignment or transfer from XXXX Credit Card, which is frequently blank as the original creditor. In fact, XXXX XXXX XXXX has failed to provide any verification for an assignment or transfer from any original creditor to collect on a debt of {$1000.00} for collections. Furthermore, the Equifax credit report shows that the XXXX XXXX XXXX  account has a {$0.00} balance and was charged off with no outstanding balance owed. This directly conflicts with the balance being reported by XXXX XXXX XXXX. XXXX XXXX  for XXXXXXXX XXXX XXXX  and any accounts acquired show no further balance is owed. As such, XXXX XXXX XXXX can not legally claim that a balance of {$1000.00} is owed without proof of a legitimate assignment or transfer of this debt, which they have failed to provide. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information. Since XXXX XXXX XXXX has not verified the accuracy of the debt, Equifax must delete this account from my credit report. Additionally, under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers of information such as XXXX XXXX XXXX are required to conduct a reasonable investigation when a dispute is raised. Without valid verification, the collection account must be removed. Furthermore, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. The conflicting information regarding the balance on the XXXX XXXX XXXX account or any account acquired by XXXX  versus the XXXX XXXX XXXX account violates this statute. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits debt collectors from making false or misleading representations. Since XXXX XXXX XXXX has not provided verification of this debt, they are violating this statute by falsely reporting that a balance is owed. Finally, under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, and since XXXX XXXX XXXX XXXX not verify the accuracy of this debt, the account must be removed from my credit report. XXXX XXXX XXXX can not verify a creditor relationship by and through an assignment or transfer. Based on these violations of the FCRA and FDCPA, I request that the XXXX XXXX XXXX collection account be removed from my Equifax credit report immediately. This is false and incorrect information. I also ask for written confirmation once the account has been deleted. Failure to comply with these statutes violates my rights under federal law, and I am prepared to pursue further action if necessary.

Company response to consumer: Closed with non-monetary relief