Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
To : Experian Information Solutions , Inc . 
Equifax Information Services LLC TransUnion LLC Subject : FORMAL DISPUTE, VALIDATION DEMAND, AND REQUEST FOR PERMANENT DELETION UNDER FCRA, FACTA, FDCPA, AND 15 U.S.C.

To Whom It May Concern : I am formally disputing the accuracy, legality, and ownership of the following collection accounts currently reporting on my Experian, Equifax, and TransUnion credit reports. These accounts are not mine, are unverified, and are being reported without lawful proof or permissible purpose. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL BASIS FOR DISPUTE AND DELETION Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation and delete information that can not be verified with competent, admissible evidence. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you must maintain reasonable procedures to ensure maximum possible accuracyreporting unproven collection accounts violates this duty.

Pursuant to FACTA and FCRA 605B, any information tied to identity theft or lacking verified authorization must be blocked and removed. Additionally, FCRA 604 ( 15 U.S.C. 1681b ) requires a valid permissible purpose to access or report my credit file ; absent proof, continued reporting is unlawful.

Under the FDCPA ( 15 U.S.C. 1692e, 1692f, and 1692g ), collection reporting without proper validation, misrepresenting the character or legal status of a debt, or failing to identify the true creditor constitutes prohibited conduct.

I further dispute the validity and enforceability of these alleged obligations pursuant to 15 U.S.C. 5118, as no lawful consumer debt has been established.

FORMAL DEMAND FOR VALIDATION For each account listed above, I demand that you provide documentary proof sufficient to establish ownership and liability, including but not limited to : The original signed contract or application bearing my wet-ink or verified electronic signature Complete chain of title from the original creditor to the current collector ( assignments/bills of sale ) The name, address, and account number of the original creditor Date of first delinquency and a full itemization of the alleged balance Evidence of a lawful permissible purpose to access and report my credit file Verification via automated systems or summaries is not sufficient.

DEMAND FOR ACTION If you can not provide the above documentation within the statutory timeframe, you must : Immediately delete each disputed account from my credit reports Permanently block any reinsertion Provide written confirmation of deletion Disclose the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Failure to comply will constitute willful noncompliance, exposing you to liability under 15 U.S.C. 1681n and 1681o, and will result in escalation to federal and state regulators.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief