Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
XXXX Debt Validation Request, Cease-and-Desist Notice, and Inquiry Deletion To Whom It May Concern : I am writing to formally request validation of the alleged debts listed below. This is not a refusal to pay but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I am requesting the removal of certain unauthorized inquiries from my credit file. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone : XXXX Email : XXXX Accounts to Be Validated and Addressed : XXXX XXXX - Account XXXX. : XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) - Account No. : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account No. : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) - Account XXXX. : XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX - Account XXXX. : XXXXXXXX XXXX XXXX XXXX  - Account No. : XXXX SXXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX - Account No. : XXXX XXXX - Account No. : XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Account No. : XXXX Please provide the following documentation for each account : A copy of the original signed contract or agreement that created the debt. 
Documentation proving your legal ownership or assignment of the debt. 
A detailed accounting of the alleged debt, including principal, interest, fees, and any other charges. 
Inquiries to Be Removed : The following inquiries were unauthorized and must be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Personal XX/XX/XXXX Cease-and-Desist Notice This letter also serves as a formal cease-and-desist notice. I am exercising my right under the FDCPA to demand that all further communication regarding these accounts and inquiries cease immediately. 

The only permissible form of communication from XXXX shall be through written correspondence sent to the mailing address provided above. You are strictly prohibited from contacting me by phone, email, text message, or any other means of communication. Additionally, no communication of any kind shall take place between XXXX and my family, friends, or any third party regarding this matter. Any attempt to do so will be considered harassment and will result in immediate legal action. 

Litigation Costs If you continue to engage in harassment, abuse, or fail to comply with this request, I reserve the right to pursue litigation under the FDCPA. Below is an itemized estimate of potential damages and costs : Statutory Damages : {$1000.00} per violation of the FDCPA. 
Actual Damages : For emotional distress, loss of credit opportunities, and reputational harm, estimated at {$25000.00}. 
Punitive Damages : For willful noncompliance, potentially amounting to {$50000.00}. 
Attorneys Fees and Legal Costs : Estimated at {$10000.00}. 
Failure to comply with this notice may result in immediate legal action. If you are unable to validate these accounts with the appropriate documentation or remove the unauthorized inquiries, you must cease collection efforts and remove any reference to these accounts from my credit file. 

Please provide your response and validation documentation within 30 days of receipt of this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief