Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IMMEDIATE DISPUTE NOTICE AND DEMAND FOR ACTION To Equifax and XXXX XXXX I am formally disputing the above-referenced account that you have illegally reported on my credit report. I received no prior communication from this agency regarding this alleged debt before it was unjustly added to my credit filean egregious violation of federal law. XXXX XXXX failure to follow legal protocols is unacceptable and demands immediate correction.

Under the Fair Debt Collection Practices Act ( FDCPA ), as enforced by the Consumer Financial Protection Bureaus Regulation F ( 12 CFR 1006.30 ( a ) ), you are strictly prohibited from reporting a debt to a consumer reporting agency before : 1. Directly contacting me by phone or in person ; or 2. Sending me a written or electronic notice and allowing a reasonable period for a response or undeliverability notice.

Your blatant disregard for these requirements constitutes a clear violation of federal law. Furthermore, under FDCPA Section 1692g ( 15 U.S.C. 1692g ), I am entitled to immediate validation of this debt, which you have failed to provide.

I categorically reject the validity of this debt and demand the following without delay : Full validation of the debt, including : The name and address of the original creditor ; Proof of your legal authority to collect this debt ; A detailed, itemized statement showing the {$67.00} balance, including the original amount, payments ( if any ), and all fees or interest ; The exact date the debt became delinquent ; Copies of any contracts or agreements tied to this debt ; Confirmation that this debt remains within the statute of limitations in my state.

Until you provide this validation, you are forbidden from engaging in any collection activities, including further communication with me, except to deliver the requested validation or to confirm termination of your efforts.

Additionally, because this account was reported in violation of the FDCPA and remains disputed, I demand that you immediately notify all credit bureaus ( Equifax, XXXX, XXXX  ) to permanently remove this fraudulent tradeline from my credit reports. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), you are legally obligated to ensure the accuracy of reported data, and your failure to do so exposes you to further liability. Act now or face the consequences.

Failure to comply within 30 days will force me to escalate this matter. I will file formal complaints with the CFPB, FTC, and my state attorney general, and I will pursue maximum legal remedies, including statutory damages of up to {$1000.00} per violation under the FDCA, plus actual damages and attorney fees. Your noncompliance will not be tolerated.

Respond to this demand in writing within 30 days. This letter is sent via certified mail with return receipt requested to ensure accountability.

Act Immediately, XXXX

Company response to consumer: Closed with non-monetary relief