Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13521735
Complaint Overview
Complaint ID: 13521735
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 336XX
Date Received: 2025-05-14T12:00:00-05:00
Date Sent to Company: 2025-05-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Debt Validation Request Under Regulation F To comply with Regulation F, 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. 3. Itemization Date : Provide the specific reference date 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 : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance. If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX Account # XXXX
Frequently Asked Questions
What is Complaint #13521735 about?
Complaint #13521735 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-14T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.