Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Re : Cease and Desist Notice & Refusal to Pay Alleged Debt Account Number XXXX Dear XXXX XXXX, I am writing to formally notify XXXX XXXX XXXX XXXX XXXX XXXX that I dispute the validity of the alleged debt associated with the above-referenced account number and demand that you immediately cease all collection activities in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Cease and Desist Demand : Pursuant to 15 U.S.C. 1692c ( c ) of the FDCPA, I hereby demand that XXXX immediately cease and desist from any further communication with me regarding the collection of the alleged debt. This includes, but is not limited to, phone calls, letters, emails, and any other form of communication. 
Additionally, I demand that XXXX cease reporting any information related to this alleged debt to any credit reporting agencies. Furthermore, I require that XXXX remove any and all previous reporting related to this alleged debt from all credit reporting agencies. Continued reporting of this alleged debt to credit bureaus will be considered a violation of the FDCPA and other applicable federal laws. 
Refusal to Pay Without Verifiable Proof : I refuse to pay any alleged debt unless you provide verifiable proof under the penalties of perjury that this debt is valid and enforceable. I demand that XXXX provide the following documentation : A detailed accounting of the alleged debt, including the original amount, interest, fees, and any payments made. 
Copies of all relevant contracts or agreements that clearly outline my obligation to pay this debt. 
Verification that XXXX has the legal right to collect this debt, including the chain of custody of the debt if it has been sold, assigned, or transferred.

I have a right to adequate assurance of performance as outlined in UCC 2-609. ( a ) Was there any material alterations to any instruments? ( b ) was there any concealment of material facts of how my instrument was going to be used? ( c ) was there any conversion? ( d ) was there any unjust enrichment? 
FDCPA Violations and Costs : Please be advised that under the FDCPA, XXXX is prohibited from engaging in unfair, deceptive, or abusive practices in the collection of debts. Violations of the FDCPA, including failure to cease collection activities upon receiving this notice or continuing to report false information to credit reporting agencies, may result in legal action against XXXX. The penalties for violating the FDCPA can include statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees and costs. 
Response Required : If there are any corrections or if you intend to provide the requested verifiable proof, please respond within 30 days of receiving this letter. Failure to do so will be taken as confirmation that XXXX has no legal claim against me and that the alleged debt is invalid. 
Please direct all correspondence related to this matter to me in writing at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, By : XXXX : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief