Consumer complaint received 2025-07-17 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 XXXX XXXX XX/XX/XXXX Subject : Escalated Dispute of Account, Legal Demand for Debt Validation, Cease and Desist Violation, and Immediate Deletion of Unverified Reporting To Whom It May Concern : This is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning your failure to comply with previous written demands. Despite prior notification instructing you to cease all communication under 15 U.S.C. 1692c ( c ), I received a letter from your office dated XX/XX/XXXX, delivered on XX/XX/XXXX, in blatant violation of federal law. This continued communication is unlawful and will be treated as willful noncompliance. 

This letter concerns the following account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE HEREBY FORMALLY PUT ON NOTICE : Under 15 U.S.C. 1692g, you are required to provide complete validation of the alleged debt. Despite my previous lawful demand, you failed to furnish the necessary documentation within the required timeframe. Sending a payment demand without providing proper validation is a violation of federal law. Payment history, billing statements, or balance printouts are not sufficient forms of validation. 

I REITERATE MY LAWFUL REQUEST FOR THE FOLLOWING DOCUMENTS : The date of first delinquency The date of last payment The date of charge-off by the original creditor The chain of assignment, including forward flow agreement, showing legal transfer of debt ownership from original creditor to current collector A signed copy of the original contract bearing my signature Failure to produce these items within 15 days of receipt of this letter will be construed as an inability to validate the debt and a violation of 15 U.S.C. 1692g and 1681s-2 ( b ).

LEGAL VIOLATIONS : 15 U.S.C. 1692g : Failure to validate alleged debt upon written request 15 U.S.C. 1692c ( c ) : Continuing communication after cease-and-desist demand 15 U.S.C. 1681c-2 & 1681i : Failure to remove inaccurate or unverifiable information 15 U.S.C. 1681s-2 : Reporting information without proper investigation 15 U.S.C. 1641 : Failure to produce proof of assignment 15 U.S.C. 1692e : Misrepresentation of the legal status of the debt 15 U.S.C. 1692f : Use of unfair or unconscionable means to collect CASE LAW SUPPORTING THIS DEMAND : Green v. Portfolio Recovery Assocs. ( XXXX ) : Debt buyers must prove chain-of-title. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX : Billing statements do not constitute validation. 

REMEDY DEMAND : Cease and desist all communication immediately, as required under 15 U.S.C. 1692c ( c ) Remove all references to this account from XXXX Equifax, and TransUnion Immediately delete all unauthorized inquiries associated with this account Provide written confirmation of deletion and a copy of my updated credit report Supply all validation documentation or cease reporting under 15 U.S.C. 1681i FAILURE TO COMPLY : Failure to comply will result in immediate legal action seeking statutory, actual, and punitive damages under 15 U.S.C. 1692k, 1681n, and 1681o, in addition to formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and your state attorney general. 

This is your final warning. You are already in violation of federal law. I expect immediate resolution and full compliance within 15 days. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation