Consumer complaint received 2025-03-15 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 Subject : Debt Validation Request, Personal Information Update, and Cease-and-Desist Notice To Whom It XXXX Concern : I formally dispute and request validation of the accuracy and validity of the following accounts, inquiries, and personal information reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including Regulation F, I demand an immediate investigation, validation, and a detailed description of the procedures used to verify this information.

Debt Validation Request Under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34, I request validation of the alleged debts. This is not a refusal to pay but a demand for legal substantiation.

Provide : Original Signed Contract - A copy of the original signed agreement that created the debt, per 15 U.S.C. 1666i.

Proof of Ownership - Documentation proving legal ownership or assignment of the debt, as required under 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1692j ( a ).

Detailed Accounting - A breakdown of the alleged debt, including principal, interest, fees, and other charges, in compliance with 15 U.S.C. 1637 ( b ).

Full Validation - Sending past payment records, billing statements, or account history alone does not constitute proper validation under 15 U.S.C. 1692g ( b ) and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. 

Validation Notice - As required under 12 C.F.R. 1006.34, provide an itemized breakdown of the debt, the name and address of the debt collector, the name of the creditor, and a statement of consumer rights.

Chain of Title - A complete record of all owners of this debt to ensure it was legally transferred, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mere statements or billing records are insufficient for validation. 

XXXX Notice This letter serves as a formal cease-and-desist notice under the FDCPA and XXXX XXXX. 

Effective immediately : All further communication regarding this alleged debt must cease. 

Only written correspondence to my mailing address is permitted. 

No phone, email, text, or third-party contact is authorized under 12 C.F.R. 1006.6. Any violation will be considered harassment and subject to legal action.

Reporting this alleged debt to any consumer reporting agency constitutes communication under 15 U.S.C. 1692c ( c ). If validation is not provided, I demand deletion from Experian, TransUnion, and Equifax. 

Personal Information Update Update my personal information as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Accounts to Be Validated and Addressed : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Inquiries The following inquiries were unauthorized and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX 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 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 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 XXXXXX/XX/XXXX Expectation of Compliance Provide all requested documentation within 30 days of receiving this letter. 

Failure to comply will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation