Consumer complaint received 2025-11-23 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 + INVESTIGATION DEMAND WITH INTENT TO SUE FOR {$10000.00} ( FCRA 1681i, 1681s-2, FDCPA 1692g ) * * Date : XX/XX/XXXX To : Credit Bureau Name ( Experian, TransUnion, or Equifax ) ( Insert appropriate address ) Re : Formal Dispute, Validation Demand, and Notice of Intent to Sue Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX XXXX : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, This letter serves as my official debt validation request, dispute notice, and formal demand for investigation under : FCRA 611 ( 15 U.S.C. 1681i ) FCRA 609 ( 15 U.S.C. 1681g ) FCRA 623 ( 15 U.S.C. 1681s-2 ) FDCPA 1692g ( Validation of Debts ) FCRA 616617 ( Civil Liability for Willful and Negligent Noncompliance ) You are reporting multiple inaccurate, incomplete, unverifiable, fraudulent, or obsolete accounts on my credit report. 
Under federal law, I am demanding immediate validation and reinvestigation. 

Failure to comply within the required timeframe will result in a civil claim for up to {$10000.00} in statutory and punitive damages. 

ACCOUNTS TO BE VALIDATED, INVESTIGATED, AND REMOVED IMMEDIATELY 1. MOHELA All student loan accounts These accounts are disputed as inaccurate, incomplete, and unverifiable. 

Provide full validation, including original signed application, complete payment history, and lawful ownership documentation. 

2. XXXXXXXX XXXX Disputed as inaccurate and unverifiable. 

Provide original signed contract, full account ledger, and any alleged documents bearing my signature. 

3. XXXX XXXX  You must validate : original application, signed contract, charge-off ledger, assignment of debt, and proof of lawful reporting. 

4. XXXX XXXX XXXX XXXX XXXX XXXX Provide validation showing you are legally allowed to collect or furnish data in the Commonwealth of XXXX  XXXX 

Include complete chain of custody and any authorization documents. 

5. XXXX XXXX XXXX Provide bill of sale, purchase agreement, chain of title, proof of ownership, and proof you are legally permitted to collect in XXXX. 

6. XXXX XXXX XXXX Dispute includes any fraudulent, inaccurate, or incomplete payment reporting, charge-off reporting, repossession status, or balance details. 

7. XXXX XXXX  XXXX XXXX XXXX XXXX Provide complete validation including application copy, contract, ledger, and proof of lawful data furnishing. 

8. BANKRUPTCY REPORTING All bankruptcy-related notations must be accurate, complete, and properly coded. 

Provide source, terms, file date, discharge date, and all public record verification. 

9. INQUIRIES ( HARD PULLS ) The following inquiries are unauthorized and must be deleted immediately : XXXX XXXX XXXX Any other inquiry not authorized by me Under FCRA 604 ( a ) ( 2 ), you may not list inquiries that lack permissible purpose. 

REQUIRED VALIDATION DOCUMENTS ( Send ALL ) You MUST supply the following : Copy of the original signed consumer contract Full account-level ledger showing every payment Complete chain of title ( who owns the debt now ) Proof you are legally allowed to collect in XXXX  Proof of permissible purpose for obtaining or reporting my data Proof the account is not fraudulent, reaged, or inaccurately reported All Metro-2 compliant reporting records If you can not produce EVERY document above, you must : Delete the account from my report immediately Notify all CRAs you furnish data to LEGAL WARNINGS & INTENT TO SUE If you fail to fully validate and correct/remove all inaccurate entries within 30 days, I will proceed with : Civil lawsuit for {$10000.00} Under : FCRA 616 Willful noncompliance FCRA 617 Negligent noncompliance FDCPA 1692k Damages for failure to validate This includes statutory damages, actual damages, punitive damages, court costs, and attorneys fees. 

Complaint to : Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney General FTC XXXX  Office of the Comptroller ( for XXXX ) NO REINSERTION NOTICE ( FCRA 611 ( a ) ( 5 ) ) If any account is removed, you are prohibited from reinserting it unless you : Certify its accuracy Notify me in writing within 5 business days Failure to follow this law will result in immediate legal action. 

REQUEST FOR UPDATED CREDIT REPORT Once the investigation is complete, provide : Updated credit report Description of procedures used Names, phone numbers, and addresses of all data furnishers you contacted CONSUMER SIGNATURE XXXX XXXX

Company response to consumer: Closed with non-monetary relief