Consumer complaint received 2025-06-15 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/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Validation Request Demand for Permanent Deletion of Collection Accounts Dear Equifax Dispute Department, I am writing to formally dispute and request the permanent deletion of the following collection accounts currently appearing on my Equifax credit report. I believe these accounts are either fraudulent, inaccurate, unverifiable, or not legally authorized to be reported under federal consumer protection laws : XXXX. XXXX XXXX {$580.00} XXXX, XXXX XXXX XXXX {$31000.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX {$1500.00} These accounts have not been properly validated by the debt collectors, nor has Equifax verified their accuracy through original source documentation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to demand their immediate removal. 

Applicable Consumer Law Violations : 15 U.S.C. 1692g Debt collectors must provide validation of debts when requested. I have not received proper validation. 
15 U.S.C. 1692c ( c ) Once I dispute and revoke permission to communicate, debt collectors must cease all reporting and collection activity unless proper validation is provided.

15 U.S.C. 1681i Equifax must delete any information that can not be verified within 30 days of receiving this dispute.

15 U.S.C. 1681e ( b ) Equifax is required to maintain maximum possible accuracy in reporting ; continued reporting of unverified or incorrect information violates this statute.

31 U.S.C. 5118 Prohibits enforcement of debts lacking lawful origination, proper contracts, or documentation.

Debt Validation Request : For each of the accounts listed, I request the following : A signed contract or agreement bearing my signature showing I legally owe the alleged debt.

A complete itemized statement breaking down the balance ( principal, interest, fees ). 
A copy of the assignment contract showing legal transfer from the original creditor to the current collector. 
A XXXX XXXX XXXX that confirms the collector 's right to report and collect this debt. 
Proof that the debt collector is in compliance with Regulation F under the FDCPA. 

My Formal Requests : Immediately and permanently delete all XXXX accounts listed above from my Equifax credit report. 
Block reinsertion unless fully validated under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Provide written confirmation of the results of your reinvestigation and all actions taken. 
Failure to comply within the timeframe mandated by federal law will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also consider legal remedies under 15 U.S.C. 1681n and 1681o for any willful or negligent noncompliance. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief