Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Subject : Dispute of Collection Account - Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX I recently reviewed my credit report and noticed that your company is reporting a debt under the above reference account number. I do not recognize the date and I am formally disputing Its validity under Fair Debt Collection Practices Act ( FDCPA ) and regulation F ( 12 CFR Part 1006 ) Additionally I am requesting full of validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ) I have attached the highlighted copy of the inaccurate reporting of this debt on my credit report According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a debt collector must provide proper validation of the debt upon request. Since the collection agency hasnt fulfilled this obligation. The continued reporting of this account is unlawful and it must be corrected.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am formally requesting that your agency investigate the accuracy of this account. Reporting a collection account without verified and validated documentation violates my rights under both the FDCPA and the FCRA.

Debt Validation Request Under Regulation F & RCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization date : provide the specific reference date that you used in your itemization ( such as the last statement date, charge-off date or last payment date ).

4. Assignment records : copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5.Proof of permissible purpose : documentation explaining permissible purpose under which you accessed and reported this debt to the credit bureaus, 15 U.S.C 1681b ( Fair Credit Reporting Act ) 1. Cease collection until validation is provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : If this alleged debt is reported to the credit bureaus, I request that it be marked as " disputed by consumer '' per 15 U.S.C. 1681s-2 ( a ) If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

Therefore, I respectfully request the immediate removal of this collection account from my credit report and written confirmation of this action. If the collection agency is unable to validate the debt, the account must be deleted from my file as required by law. 
Additionally, please be advised that this letter serves as a formal cease and desist notice under 15 U.S.C 1692c ( c ). I formally request that you cease all communications with me via phone, text, or email. Any future contact regarding this matter must be conducted exclusively via USPS mail and strictly in response to this dispute and validation request. Any attempt to contact me outside of these terms will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. I expect a response and appropriate action within the timeframe required by law. 

Sincerely, XXXX XXXX Enclosures : Highlighted copy of my credit report

Company response to consumer: Closed with explanation