Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX Last Four SSN : XXXX Subject : Formal Dispute, Request for Method of Verification, and Notice of Potential Bankruptcy Violation To Whom It May Concern : I am formally disputing the accuracy, completeness, and legality of an account being reported by XXXX XXXX XXXX XXXX. This account is currently being collected by XXXX XXXX XXXX ( XXXX ). I have previously requested validation of this debt. While documentation has been provided, it is inconsistent, incomplete, and does not substantiate the account being reported. This is not a claim of fraud or identity theft. I am disputing the accuracy and legal validity of the account, and this dispute must not be reclassified or closed as fraud. XXXX and XXXX have provided a mixture of documents, including older XXXX XXXX records, later billing and collection documents, and an internal account summary. However, these documents do not establish a complete, continuous account history tied to the current reported balance. Specifically : No original signed agreement or application has been provided. No complete, continuous transaction history has been provided linking all charges and fees to the current balance. No clear, itemized accounting has been provided explaining how the current balance was calculated. No documentation clearly distinguishes what portion of the balance, if any, originates prior to my bankruptcy discharge. No proof has been provided demonstrating TSIs authority to collect this specific account. Additionally, I filed for XXXX XXXX bankruptcy, which was discharged in XX/XX/XXXX. Any reporting or collection activity that includes, references, or is derived from pre-bankruptcy debt may constitute a violation of federal law. Given these issues, I am requesting the following : 1. A reasonable reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ). 2. The Method of Verification, including : The name of the party contacted The address and contact information of that party The specific documents reviewed to verify this account 3. Copies of all documentation relied upon to verify the account, including contracts, full account records, and any assignment or authority documentation. If this account can not be fully verified with complete and accurate documentation, it must be deleted immediately from my credit file. Failure to properly investigate or continued reporting of inaccurate or unverifiable information may constitute violations of the Fair Credit Reporting Act. Additionally, if this dispute is improperly categorized or closed as fraud or identity theft instead of being investigated as an accuracy dispute, I will proceed with escalation to the Consumer Financial Protection Bureau and the Alabama Attorney General. Please complete your investigation within the timeframe required by law and provide written results. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation