Consumer complaint received 2025-12-29 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:
XXXX  DEBT VALIDATION, CEASE & DESIST, AND DEMAND FOR DELETION FDCPA FCRA CFPB REGULATION F From : XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX XXXX To : Experian TransUnion , Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Subject : FORMAL DISPUTE, DEMAND FOR ORIGINAL CONTRACT, PROOF OF LEGAL AUTHORITY TO COLLECT IN VIRGINIA, CEASE & DESIST, AND REMOVAL FROM ALL CREDIT REPORTS This letter constitutes a formal dispute of the alleged debts you are reporting and/or attempting to collect. I dispute each account in its entirety and demand strict proof as required by federal and state law. 

ACCOUNTS IN DISPUTE Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate reporting unlawful ) * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MANDATORY DEBT VALIDATION REQUIREMENTS Pursuant to 15 U.S.C. 1692g ( b ), 12 CFR 1006.34, and 15 U.S.C. 1681s-2, you are required to cease all collection and credit-reporting activity until you provide complete and lawful validation.

You must provide ALL of the following : 1. ORIGINAL CONTRACT SIGNED BY ME You must produce a true, complete, and unaltered copy of the ORIGINAL CONTRACT OR CREDIT AGREEMENT, signed by me, that allegedly created this debt. 
This includes : My wet or electronic signature Date of execution Full terms and conditions Proof the contract permits assignment or sale Billing statements, account summaries, affidavits, screenshots, or computer-generated data DO NOT constitute validation and will be rejected. 

Failure to produce the original signed contract constitutes no proof of a valid debt and requires immediate deletion. 

XXXX. PROOF YOU ARE LEGALLY AUTHORIZED TO COLLECT IN VIRGINIA Because I am a resident of the XXXX of Virginia, you must also provide documentary proof that you are legally permitted to collect debts in Virginia, including : XXXX Virginia XXXX XXXX XXXX ( XXXX  ) registration Debt-collector license or statutory exemption, if claimed Registered Virginia agent XXXX you are legally permitted to collect, sue, or report debts in Virginia Proof the alleged debt is within Virginias statute of limitations If you are not properly authorized, any collection or reporting activity is unlawful. 

3. OWNERSHIP & ACCOUNTING Full chain of assignment from the original creditor to XXXX XXXX  Itemized accounting explaining how the balance was calculated Proof the debt has not been discharged, settled, or sold again CREDIT REPORTING VIOLATIONS You are furnishing information to consumer reporting agencies without validation, in violation of : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) Furnishing unverifiable information 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation Additionally, duplicate reporting of Account # XXXX constitutes false and misleading information under FDCPA 1692e.

CEASE & DESIST NOTICE Under 15 U.S.C. 1692c ( c ), you are hereby ordered to : Cease all collection activity immediately Cease reporting, updating, or verifying these accounts Cease communication except to confirm deletion DEMAND FOR IMMEDIATE DELETION If you can not produce BOTH : the original signed contract, and proof of lawful authority to collect in Virginia, you are required to : Delete all XXXX XXXX  accounts from Experian, Equifax, TransUnion, and any secondary bureaus Confirm deletion in writing within 15 days Do not reinsert these accounts under any circumstances NOTICE OF CIVIL LIABILITY Continued reporting or collection of unvalidated debts will be treated as willful non-compliance, exposing you to liability under : 15 U.S.C. 1681n Willful FCRA violations ( statutory & punitive damages ) 15 U.S.C. 1681o Negligent non-compliance 15 U.S.C. 1692k FDCPA damages, costs, and attorney fees I am preserving all documentation for CFPB complaints, Virginia Attorney General complaints, and civil litigation. 

GOVERN YOURSELVES ACCORDINGLY Failure to comply will be treated as intentional misconduct. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation