Consumer complaint received 2025-06-26 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:
XX/XX/XXXX XXXX XXXX XXXX  Equifax Information Services LLC * * XXXX XXXX XXXX XXXX, GA XXXX * * RE : FORMAL DISPUTE AND VALIDATION DEMAND * * * * Social Security Number : XXXX * * Collection Account : XXXX XXXX XXXX XXXX {$510.00} Dear Dispute Department, I am writing to formally dispute the accuracy and completeness of a collection account appearing on my credit report and to demand immediate validation of this alleged debt under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

# # DISPUTED COLLECTION ACCOUNT * * Collection Agency : * * XXXX XXXX XXXX * * Reported Amount : * * {$510.00} XXXX dispute this collection account in its entirety and demand its immediate and permanent deletion from my credit file. 

# # LEGAL BASIS FOR DELETION # # # 15 U.S.C. 1692c ( c ) - FDCPA Communication Restrictions This section prohibits debt collectors from communicating with third parties about alleged debts without proper authorization. The reporting of this unvalidated collection account to credit bureaus without proper validation violates this provision, as credit reporting constitutes communication to third parties about the alleged debt.

# # # 31 U.S.C. 5118 - Legal Tender Requirements Under this federal statute, only Federal Reserve Notes and coins are legal tender for all debts, public and private. Any alleged debt must be payable in lawful money of the United States. The collection agency must demonstrate compliance with legal tender requirements and proper consideration for any alleged debt assignment. 

# # # 15 U.S.C. 1692g - FDCPA Validation Requirements This section requires debt collectors to provide validation of debts upon request. The collection agency has failed to provide proper validation including : - Verification of the debt amount - Name of the original creditor- Statement of consumers right to dispute - Proof of legal authority to collect # # # 15 U.S.C. 1681o - FCRA Civil Liability for Negligent Noncompliance This section establishes liability for negligent failure to comply with FCRA requirements. The continued reporting of this unvalidated collection account constitutes negligent noncompliance with accuracy requirements under the FCRA. 

# # # Regulation Z ( 12 CFR Part 1026 ) - Truth in Lending Act Implementation Regulation Z requires proper disclosure of credit terms and consumer rights. If this alleged debt relates to consumer credit, the collection agency must demonstrate compliance with all Truth in Lending Act requirements, including proper disclosure of terms, right of rescission ( where applicable ), and billing error procedures. 

# # DEBT VALIDATION DEMAND Under 15 U.S.C. 1692g, I hereby demand that you provide the following validation documentation within 30 days : # # # Required Documentation : 1. * * Complete Account History * * showing all transactions, payments, fees, and charges 1. * * Original Signed Contract or Agreement * * establishing the alleged debt 1. * * Assignment Contract * * proving legal transfer of debt from original creditor to collection agency 1. * * Forward Flow Agreement * * between original creditor and collection agency 1. * * Chain of Title Documentation * * showing all transfers of the alleged debt 1. * * Proof of Standing * * to collect, including license to collect in my state 1. * * Verification of Debt Amount * * with complete breakdown of principal, interest, and fees 1. * * Original Creditor Information * * including name, address, and account number 1. * * Compliance Documentation * * showing adherence to all federal and state regulations 1. * * Legal Tender Verification * * proving debt is payable in lawful money per 31 U.S.C. 5118 # # CEASE AND DESIST COMMUNICATION Under 15 U.S.C. 1692c ( c ), I hereby demand that you CEASE AND DESIST all communication regarding this alleged debt until you provide complete validation as requested above. This includes, but is not limited to : - Credit bureau reporting - Collection letters or notices - Telephone calls- Third-party communications # # CREDIT REPORTING VIOLATIONS The reporting of this collection account violates multiple provisions of the FCRA : - * * Lack of Reasonable Procedures * * ( 15 U.S.C. 1681e ( b ) ) - Failure to verify accuracy before reporting- * * Negligent Noncompliance * * ( 15 U.S.C. 1681o ) - Continued reporting without proper validation - * * Violation of Consumer Rights * * - Reporting unvalidated information # # REGULATION Z COMPLIANCE DEMAND If this alleged debt involves consumer credit, provide evidence of compliance with Regulation Z including : - Original Truth in Lending disclosures - Right of rescission notices ( if applicable ) - Billing statements and error resolution procedures- Annual percentage rate calculations- Finance charge disclosures # # IMMEDIATE DEMANDS I hereby demand that you : 1. * * IMMEDIATELY CEASE * * all credit bureau reporting of this alleged debt 1. * * PERMANENTLY DELETE * * all references to this collection account from my credit file 1. * * PROVIDE COMPLETE VALIDATION * * as outlined above within 30 days 1. * * CONFIRM IN WRITING * * that all credit bureau reporting has ceased 1. * * NOTIFY ALL CREDIT BUREAUS * * of the deletion within 30 days 1. * * PROVIDE WRITTEN CONFIRMATION * * of compliance with all demands # # LEGAL CONSEQUENCES Please be advised that : - Failure to validate this debt renders all collection activities violations of the FDCPA - Continued credit reporting without validation violates 15 U.S.C. 1681o - Non-compliance may result in legal action for statutory damages up to {$1000.00} plus actual damages and attorney fees - I reserve all rights under federal and state law - This letter serves as formal notice of these violations # # COMMUNICATION RESTRICTIONS All future communications must be in writing and must include complete validation documentation. Do not contact me by telephone or through third parties until you have provided full validation as demanded.

# # VERIFICATION STATEMENT I declare under penalty of perjury that I have no knowledge of owing this alleged debt and that all statements in this letter are true and correct to the best of my knowledge.

Thank you for your immediate attention to this matter. I expect full compliance within 30 days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief