Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX : Accounts for : ** XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX XXXX BANK XXXX XXXX for XXXX | XXXX XXXX  Account for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX  Accounts for XXXX **NOTICE OF VALIDATION REQUEST** You are hereby in receipt of notice, per 15 U.S. Code 1692, that the above-referenced file number and alleged debt, in part or in whole, is now officially disputed. By the authority of the Fair Debt Collections Practices Act ( FDCPA ), all activities on this account must cease until resolved. I affirm that said account ( s ) contain fraudulent or incorrect information. Transactions were not incurred by me nor any person with my authority, either expressed, implied, or apparent.

You are obligated by 15 U.S. Code 1681i and 1692e ( 8 ) to inform all credit reporting agencies ( CRA ) or Credit Bureaus ( CB ) of the dispute. Further, verification, as of today, with the CBs or non-action of these requests is in violation of the FCRA and the FDCPA and is subject to fines.

Verification and validation are demanded. Verification and validation are very different terms and ideas. Verification is making sure one actually owes the debt, see *Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) *. The definition of verification according to Blacks Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true ... '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. *McDonald XXXX XXXX XXXX XXXX XXXX XXXX, XXXX N.E. ( XXXX ) * ; and *Summerfield XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Fed. XXXX ( XXXX ) * ; and *Patterson XXXX XXXX XXXX XXXX App. XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ). * Validation is for disputing a debt, stopping account activities until the debt has been confirmed, see *Spears XXXX XXXX XXXX XXXX N.E. XXXX XXXX XXXX. App. ( XXXX ) *. The definition of validation according to XXXX XXXX XXXX is assessing an action to determine it is complete, correct, implemented, and delivering the correct outcome. XXXX states it as to check or prove the validity or accuracy of something ; XXXX says XXXX to show the existence or truth of, by evidence. 

**II. VERIFICATION AND VALIDATION REQUIREMENTS** The demands are, but not limited to : XXXX ) I invoke the Truth in Lending Act per XXXX XXXX XXXX XXXX, and thereby demand the afforded right to know who the true party of interest XXXX Accounts for XXXX | XXXX XXXX XXXX  Accounts for XXXX | XXXX XXXX - XXXX XXXX XXXXXXXX XXXX for XXXX | XXXX XXXX XXXXccount for XXXX | XXXX XXXX XXXX Accounts for XXXX | XXXX XXXX XXXX Accounts for XXXX in these transactions.

Company response to consumer: Closed with non-monetary relief