Debt collection -- Attempts to collect debt not owed -- Complaint #13701107
Complaint Overview
Complaint ID: 13701107
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 334XX
Date Received: 2025-05-24T12:00:00-05:00
Date Sent to Company: 2025-05-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
collection account that has appeared on my credit report, allegedly being handled by XXXX XXXX XXXX XXXX, doing business as XXXX. I do not recognize this debt, and I dispute its validity. This account does not belong to me and I request that you provide full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In accordance with federal and XXXX state law, I am requesting the following : Validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed contract or agreement bearing my signature, showing that I agreed to the debt ; A complete itemized accounting of the alleged debt, including principal, interest, fees, and payments made ; A statement that clearly explains how the amount was calculated ; Proof that you have the legal right to collect on this debt ( e.g., chain of assignment if the debt was sold or transferred ). Proof of your authorization to collect debt in the State of XXXX, including : A copy of your license or registration to collect debts in XXXX as required by XXXX statutes ; Your XXXX XXXX XXXX XXXX XXXX registration number, if applicable. Please be advised that until you provide the requested validation, you must cease all collection activities, including reporting to the credit bureaus. Additionally, if you can not provide adequate validation, this account must be deleted from all credit reporting agencies. Under the FDCPA, you are required to cease collection efforts until you provide the information requested. Any continued attempts to collect without proper validation may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals office.
Frequently Asked Questions
What is Complaint #13701107 about?
Complaint #13701107 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-24T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.