Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Formal Request for Debt Validation and Assignment Contract To Whom It May Concern, This letter is a formal dispute of the debt you have claimed against me and a request for validation under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g**. I do not acknowledge ownership of this alleged debt, and I am exercising my right to request proper validation, including proof of assignment and legal authority to collect.

Request for Documentation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1692e ( 8 ), I request the following documents to verify the validity of this debt : 1. Assignment Contract & Proof of Ownership : - A copy of the original assignment contract or purchase agreement transferring the debt from the original creditor to your agency.

- A full chain of title if the debt has been sold multiple times.

2. Proof of Authority to Collect : - Documentation proving your agencys authority to collect on behalf of the current creditor.

3. Original Agreement - A copy of the original signed contract or agreement establishing the debt.

- Any agreement with my signature establishing this debt 4. Date of Last Activity & Statute of Limitations Compliance : - A record of the date of last payment or account activity to determine whether the statute of limitations has expired, in accordance with **15 U.S.C. 1692f ( 1 ).

5. Fair Credit Reporting Compliance : - If this debt is being reported to credit bureaus, provide proof of compliance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2**, ensuring all reported information is accurate, complete, and verifiable.

6. IRS Form 1099-C Compliance : - If the debt has been charged off, confirm whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued pursuant to 26 U.S.C. 6050P If a 1099-C has been filed, explain why this debt is still being pursued for collection.

Cease Collection Activities Until Validation Under 15 U.S.C. 1692g ( b ), collection activity must cease until this debt is fully validated You are not permitted to report this debt to credit bureaus, pursue legal action, or contact me for collection purposes until you provide proper validation.

Failure to Comply If you fail to provide the requested documents within **30 days**, I will consider this debt unverified and demand its removal from all credit reports. Additionally, continued collection efforts without proper validation will constitute a violation of the **FDCPA** and **FCRA**, which may result in legal action and complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter serves as a formal notice that I am not admitting liability for this debt. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation