Consumer complaint received 2025-12-10 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: VA

Complaint narrative:
VALIDATION OF DEBT FORMAL DEMAND ( FCRA + FDCPA ) From : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Last XXXX of XXXX : XXXX To Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX 2000 XXXX, PA XXXX Re : Dispute, Validation Demand, Prohibition on Reinsertion, and Intent to Sue for {$10000.00} To Whom It May Concern : This letter is a formal dispute of inaccurate, incomplete, and unverified information on my consumer file, a demand for full validation, and a Notice of XXXX XXXX XXXX for up to {$10000.00} for continued violations of the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ) This is my official demand for Validation of Debt under : FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ) FCRA 609 ( a ) ( source of information documentation ) FCRA 611 ( a ) ( reinvestigation obligations ) FCRA 616617 ( civil liability ) Because you and/or the furnishers are reporting debt-related information, I am exercising my absolute right to full debt validation. 
Until you provide real, documented proof of the debt, you must cease reporting, cease collection, and remove any unverifiable items. 

THE FOLLOWING ACCOUNTS REQUIRE FULL VALIDATION OF DEBT XXXX XXXX XXXX Disputed/ Validation Required XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( duplicate entry ) Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other Accounts Requiring Validation ( These remain disputed until documentation is produced ) Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any additional accounts provided by furnishers reporting to your bureau REQUIRED VALIDATION DOCUMENTS ( FDCPA + FCRA ) For each disputed account, including all XXXX XXXX XXXX accounts, furnish the following : XXXX. XXXX Signed XXXX XXXX complete copy of the original contract, credit application, or agreement bearing my actual signature. 

Electronic signatures or template forms are not acceptable under FDCPA validation standards. 

XXXX. Full Accounting & Itemized Balance Breakdown Complete, detailed accounting showing : Original amount All interest charges All fees All payments All adjustments A simple balance is not validation. 

XXXX. Chain of Custody / Assignment History Provide proof of ownership from the original creditor to the current collector, including : Bill of sale Assignment agreements Transfer history Proof the debt was legally obtained If XXXX Funding can not prove ownership, the account must be deleted. 

4. Name, Address, and Contact Info for the Furnisher You must disclose EXACTLY who furnished the reporting information under FCRA 609 ( a ).

5. Proof of Permissible Purpose ( FC

RA 604 ) You MUST prove every requester had a lawful purpose to : Furnish Collect Access my credit file Unauthorized reporting or inquiries must be deleted immediately. 6. Verification Method Used in Prior Investigations Under FCRA 611 ( a ) ( 6 ) ( B ) you MUST disclose : How you verified the debt previously The exact method of verification The entity, name, and address of each furnisher contacted Database-matching or e-Oscar parroting does not meet the standard of a lawful reinvestigation. 7. Any and All Evidence Used to Verify the Debt You must include : All
statements All contracts All communications Any documents relied on to maintain reporting If you can not produce this evidence, the debt is not validated, and reporting must cease.

FAILURE TO VALIDATE = MANDATORY DELETION If you can not validate ANY of the above items with proper documentation : You must delete the account immediately You must cease all reporting You must notify me of deletion in writing Under : FCRA 611 ( a ) ( 5 ) ( deletion of unverifiable information ) FDCPA 809 ( b ) ( can not continue collection/reporting without validation ) Failure to comply is considered willful noncompliance, and I will pursue statutory, actual, and punitive damages.

NO REINSERTION FCRA 611 ( a ) ( 5 ) If ANY item is deleted, you may not reinsert it unless : The furnisher legally certifies accuracy ; AND You notify me within 5 business days of reinsertion.

Unauthorized reinsertion is an additional violation and grounds for an immediate lawsuit.

THIS IS YOUR FINAL NOTICE BEFORE LITIGATION If you : Fail to validate the debt Continue reporting without documentation Provide incomplete or generic responses Fail to delete unverifiable information I will file suit seeking : {$1000.00} per violation ( statutory ) {$5000.00} {$10000.00} for willful violations Attorneys fees Court costs Actual damages for credit harm I will also file complaints with : CFPB FTC XXXX Attorney General BBB Consumer rights litigation firms

Company response to consumer: Closed with non-monetary relief