Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Debt Validation Request, Personal Information Update, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute and request validation of the accuracy and validity of the following accounts, inquiries, and personal information reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation, validation, and a detailed description of the procedures used to verify this information. 

Debt Validation Request Under 15 U.S.C. XXXXg, I formally request validation of the alleged debts. This is not a refusal to pay but a request for validation. Please provide specific evidence to substantiate these debts, as required by law. Documentation should include : Original Signed Contract : A copy of the original signed contract or agreement that created the debt. 

Proof of Ownership : Documentation proving your legal ownership or assignment of the debt. 

Detailed Accounting : A detailed breakdown of the alleged debt, including the principal, interest, fees, and any other charges. 

As determined in XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, mere statements or billing records are not sufficient to validate a debt. 

XXXX Notice This letter serves as a formal XXXX  notice. I am exercising my right under the FDCPA to demand that all further communication regarding this alleged debt cease immediately. 

The only permissible form of communication shall be through written correspondence sent to the mailing address listed above. 

No contact by phone, email, text message, or any other means of communication is authorized. 

No communication with family, friends, or third parties about this alleged debt is permitted. Any attempt to contact them will be considered harassment and will result in legal action. 

Additionally, reporting this alleged debt to any consumer reporting agency will be considered a form of communication. If validation can not be provided, I demand that all references to this debt be deleted from my credit file with Experian, TransUnion, and Equifax. 

Personal Information Update Please update my credit file to reflect the following correct information and delete all previous incorrect information : Name : XXXX XXXX XXXX Last XXXX : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Delete the Following Incorrect Names & Personal Information : Delete the Following Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX Accounts to Be Validated and Addressed : XXXX XXXX Services - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to be Removed : XXXX - XX/XX/XXXX Expectation of Compliance I expect your written response, including all requested documentation, within XXXX days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief