Consumer complaint received 2025-08-28 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:
XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX : XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Balance XXXX XXXX XXXX  {$370.00} XXXX XXXX XXXX Violations : XXXX XXXX XXXX FCRA 611 Continued reporting after resolved dispute - FCRA 609 No contract or legal verification - FDCPA 809 No debt validation provided XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  Violations XXXX XXXX XXXX XXXX FCRA 623 Inaccurate status as dispute resolved despite disagreement - FDCPA 809 No signed contract or debt validation - FCRA 611 Charge-off not properly investigated XXXX. XXXX XXXX XXXX XXXX XXXX Secondary ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX {$0.00} ( previously charged off ) XXXX XXXX XXXX Violations XXXX XXXX XXXX XXXX FCRA 611 Derogatory mark despite payment - FDCPA 809 Dispute resolved without validation - FCRA 623 Failure to correct reporting after dispute XXXX XXXX XXXX XXXX XXXX  ( Equifax Only XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  Violations : XXXX XXXX XXXX FCRA 611 Reported as charge-off after resolution - FCRA 609 No supporting documentation - FDCPA 809 No debt validation XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX  {$0.00} ( Paid charge-off ) XXXX XXXX XXXX Violations XXXX XXXX XXXX XXXX FCRA 611 Derogatory despite payment - FDCPA 809 No proof of debt legitimacy - FCRA 609 No contract provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX {$0.00} ( Paid collection ) XXXX XXXX XXXX  Violations : XXXX XXXX  - FCRA 611 Continued negative history despite resolution - FDCPA 809 No debt validation - FCRA 623 Late reporting beyond XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  {$6300.00} - XXXX XXXX Violations : XXXX XXXX XXXX FCRA 611 Multiple charge-offs and re-aging behavior - FDCPA XXXX No validation of amount or legal authority - FCRA 623 Misleading balance vs charge-off status XXXXXXXX XXXX XXXX XXXXXXXX ( Federal Collection ) XXXX XXXX XXXX XXXX XXXX  Account # : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  {$7500.00} XXXX XXXX XXXX  Violations : XXXX XXXX XXXX  FCRA 611 Government overpayment placed in collection without consent - FDCPA XXXX No notice or contract issued - FCRA 609 Missing original obligation and itemization XXXX. * * XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX {$5300.00} - XXXX XXXX Violations : XXXX XXXX XXXX FDCPA 809 No proof of debt ownership - FCRA 611 Customer disagrees ignored - FCRA 609 No evidence of valid obligation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX {$120.00} XXXX XXXX XXXX Violations : XXXX XXXX XXXX XXXX XXXX Consumer dispute ignored - FCRA 609 No contract or original creditor details - FDCPA 809 Improper collection activity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  {$0.00} XXXX XXXX XXXX  Violations XXXX XXXX XXXX - FCRA 611 Incorrectly coded as canceled by credit grantor - FCRA 623 Inconsistent reporting and incomplete payment data - FCRA 609 No validation of the derogatory history or original agreement XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Violations : XXXX XXXX XXXX  FCRA 611 Account reported late prior to closure with no documentation - FCRA 609 No original loan documents provided XXXX FCRA 623 Inconsistent aging and misclassification of payment data You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within 30 days : XXXX. Original signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX, Equifax, and XXXX. 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General. 

Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief