Credit reporting or other personal consumer reports — EQUIFAX, INC. (NJ)

Their investigation did not fix an error on your report. I am filing this formal complaint against XXXX XXXX XXXX ( Account Number XXXX ) regarding their inaccurate and potentially unfair reporting of a collection account on my Equifax and XXXX credit reports. I dispute the validity of the debt for the following reasons. Unawareness of the Debt : I was never made aware of this alleged debt prior to it being reported to the credit bureaus. My rights as a consumer under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) were not honored, as I was not provided with proper initial communication detailing the debt, including the amount owed or the creditor to whom it was owed. Lack of Opportunity to Dispute : Under the FDCPA, I have the right to dispute a debt within 30 days of