Debt collection -- Written notification about debt -- Complaint #12179567
Complaint Overview
Complaint ID: 12179567
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 33401
Date Received: 2025-02-22T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reporting of the collection accounts listed under The Bureau and XXXX XXXX XXXX. This dispute is based on the following violations : Failure to Provide Notice of My Right to Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide a written notice of my right to dispute the debt within five days of initial communication. Neither The Bureau nor XXXX XXXX XXXX provided me with this legally required notice, which is a direct violation of my rights under federal law. Unlicensed Collection Activity in Florida According to Florida Statutes 559.553, all collection agencies must be licensed to collect debts in the state of Florida. After researching both The Bureau and XXXX XXXX XXXX, I found that neither company is registered or licensed to operate in Florida. Since they are engaging in unlawful debt collection practices, these accounts should not be legally reported on my credit file. I have attached evidence, including screenshots confirming that both The Bureau and XXXX XXXX XXXX are not licensed in Florida, as well as records showing their failure to provide written notification of my right to dispute the debt. Given these violations, I am requesting the immediate removal of these accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit bureaus to correct or delete inaccurate, incomplete, or unverifiable information.
Frequently Asked Questions
What is Complaint #12179567 about?
Complaint #12179567 was filed against Equifax, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-02-22T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.