Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Debt Collection and Credit Reporting Practices Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX, XXXX XXXX XXXX, and the credit reporting agencies ( XXXX, Equifax, and XXXX ) for multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The complaint pertains to an alleged debt associated with Account # XXXX, which has been inaccurately and unlawfully reported on my credit file. I have attached supporting documents from XXXX XXXX XXXX, including contract details, account statements, and collection notices, to substantiate my claim. 

Additionally, this dispute references CFPB Complaint # XXXX, which was previously filed. Despite that complaint, the inaccuracies remain, and XXXX XXXX has provided a letter stating that they do not own this debt. Their continued reporting of this account is unlawful under multiple provisions of the FCRA.

1. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The credit bureaus are reporting inaccurate and unverifiable information regarding an alleged debt with XXXX XXXX XXXX, which has not owned this account since XX/XX/year>. Since XXXX no longer owns the debt, they are legally unable to verify its accuracy. 

Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation within 30 days of a dispute. Despite my formal dispute, no adequate verification has been provided.

Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in reporting. However, they continue to report an account that is unverifiable. 

The attached credit report screenshot also highlights multiple inaccuracies, including inconsistent dates of last activity, incorrect charge-off statuses, and conflicting balance amounts across different bureaus. These inconsistencies violate 15 U.S.C. 1681s-2 ( a ), which mandates accurate reporting by furnishers.

Furthermore, 15 U.S.C. 1681b ( f ) states that a furnisher must have a permissible purpose to report an account. Since XXXX does not own this debt, they had no legal right to furnish or verify this information on my credit report. 

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) XXXX XXXX, as the current entity attempting to collect on this alleged debt, has failed to provide adequate validation as required under 15 U.S.C. 1692g. Despite my demand for : A signed contract proving my obligation to this debt. 

A full payment history proving the balance claimed. 

A chain of custody of ownership proving how XXXX XXXX legally obtained the account. 

Proof that XXXX XXXX is licensed to collect in my state. 

XXXX XXXX has failed to provide the required documentation, making this debt uncollectible. 

Under 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report inaccurate information or fail to disclose that a debt is disputed. XXXX XXXX has reported this alleged debt without properly verifying its accuracy. 

3. Violation of the Uniform Commercial Code ( XXXX ) Wrongful Repossession If XXXX XXXX repossessed my vehicle, they were required to comply with UCC 9-611, which mandates proper pre-repossession notices. 

Under UCC 9-616, they were required to provide a full breakdown of the sale proceeds and any alleged deficiency balance. They have failed to do so. 

If these procedures were not followed, any claimed deficiency balance is void, and this alleged debt should not be reported or collected.

Company response to consumer: Closed with non-monetary relief