Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
METHOD OF VERIFICATION ( MOV ) & FALSE REPORTING DEMAND LETTER Pursuant to FCRA 611 ( a ) ( 7 ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807 Date : XXXX Re : Formal Demand for Full Method of Verification & Correction of False Reporting Account : XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$5800.00} Account Status : Open / Placed for Collection ( Conflict ) To Whom It May Concern, This correspondence is a formal and legally binding demand for immediate correction and verification under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2 ( b ) regarding the above-referenced account. 

This account, allegedly reported by XXXX XXXX XXXX XXXX on behalf of WE Energies, currently appears as Open and simultaneously Placed for Collection. This dual reporting status is false, misleading, and unlawful. 



FCRA AND FDCPA VIOLATIONS IDENTIFIED XXXX. False Status Reporting : Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), furnishers may not report inaccurate or incomplete information.

An account that has been charged off or placed for collection can not legally remain reported as Open.

Reporting it as both Open and Collection misrepresents the consumers liability and artificially inflates their utilization ratio a willful act of defamation and negligent furnishing. 
XXXX. Unverified Balance : The reported balance of {$5800.00} is unsubstantiated. No evidence has been provided showing the calculation of this amount, itemized billing, or contractual documentation from WE Energies transferring liability to the consumer. 
Under FCRA 1681e ( b ) and FDCPA 807 ( 2 ) ( A ), reporting an unverified or inflated balance constitutes furnishing false credit information.

3. Failure to Maintain Investigation Records : The bureau and furnisher are both required to maintain and disclose complete records of any reinvestigation and verification under FCRA 611 ( a ) ( 7 ), including : The name and contact of each person or entity used in the verification, The specific evidence or documents reviewed, The date and method of verification, and A copy of the furnishers actual response. 



LEGAL DEMAND FOR ACTION Pursuant to FCRA 611 ( a ) ( 7 ), the consumer hereby demands : 1. The complete Method of Verification used to confirm the accuracy of this account ; 2. The exact evidence and documents furnished by XXXX XXXX XXXX XXXX or XXXX XXXX ; XXXX. The name and contact information of the person or entity who verified the data ; XXXX. A full copy of the verification response ; and XXXX. Immediate correction or permanent deletion of the account for false and conflicting reporting. 

If your office can not produce documented proof that this account is valid, accurate, and legally open, you must delete it in its entirety within fifteen ( XXXX ) days of receipt. 



FINAL NOTICE BEFORE ESCALATION Failure to comply will result in the filing of formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office And possible civil litigation for damages and attorneys fees under FCRA 616617 and FDCPA 813. 

Any continued reporting of this false open collection account will be treated as intentional and willful noncompliance. 



The consumer demands full written response within fifteen ( XXXX ) calendar days. 
Non-response, partial responses, or template form letters will not satisfy this demand under federal law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation