Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
XX/XX/year> REQUEST FOR DEBT VALIDATION MULTIPLE ACCOUNTS Account # 1 : XXXX Account # 2 : XXXX Account # 3 : XXXX Account # 5 : XXXX Account # 6 : XXXX Account # 7 : XXXX Account # 8 : XXXX Account # 9 : XXXX To whom it may concern : Be advised that this is not a refusal to pay, but a notice that I dispute these accounts and request full validation. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ), I have the right to request validation of the debts you claim I owe. I am requesting proof that I am indeed the responsible party and that I have any contractual obligation to pay the accounts listed aboveThis is not a request for verification or proof of my address. This is a request for validation under 15 U.S.C. 1692g In addition, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Maximum Possible Accuracy Any information you report to consumer reporting agencies must meet the standard of maximum possible accuracy. Reporting any debt that has not been validated violates this statute.15 U.S.C . 1681g Full File DisclosureI am also requesting full file disclosure for each account listed. This means you must provide all information you have in your possession, including all documents, notes, communications, and internal records or account histories. Failure to disclose every item in your file is a violation of federal law.Any inaccurate, incomplete, unverifiable, or unvalidated reporting will be treated as a violation of : 15 U.S.C. 1681 ( Maximum Possible Accuracy ) 15 U.S.C. 1681g ( Full File Disclosure ) The Fair Credit Reporting Act The Fair Debt Collection Practices Act Defamation of Character If your office provides the proper documentation as requested, I will require 30 days to investigate before any collection activity may resume. During this time, all collection activity must cease.If you fail to respond within 30 days of receipt, all references to these accounts must be deleted from my credit file immediately and proof of deletion must be mailed to me.Under 15 U.S.C. 1692c Sec. 805 ( c ), you are hereby notified to cease all telephone communication with me. All future communication must be in writing only.FOR EACH ACCOUNT LISTED ABOVE, PROVIDE Proof of Responsibility Current creditor name and address Account number Original creditor information Signed contract or agreement Proof if the debt originally belonged to someone else Age & Status of the Debt Last billing statement Date the debt was acquired by XXXX  Itemized list of fees, interest, or adjustments Dates/amounts of payments or credits Date of delinquency and last payment Statement regarding statute of limitations Bonding agent name and address BLUE INK REQUIREMENT All responses, documents, and verification materials must be signed in blue ink to confirm authenticity. Any response not signed in blue ink will be considered incomplete and not legally sufficient. 

Sincerely,

Company response to consumer: Closed with non-monetary relief