Consumer complaint received 2025-01-30 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: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  SS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide validation of this debt. Additionally, under 15 U.S.C. 1681b, I demand that you provide the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for any inquiries you have made into my credit report.

Furthermore, I am invoking my rights under additional federal laws, including but not limited to : 15 U.S.C. 1611 Criminal liability for willful and knowing violations of the Truth in Lending Act ( TILA ).

15 U.S.C. 1666 ( e ) Prohibition on creditors or assignees restricting rights of obligors to dispute billing errors.

15 U.S.C. 78m ( q ) ( 1 ) Requirements for financial institutions regarding proper disclosure of material financial obligations.

15 U.S.C. 77q Prohibitions against fraudulent interstate transactions in the sale or collection of securities or debt instruments.

To properly validate this debt, I request that you provide the following : A complete and itemized account statement detailing the alleged debt, including the principal, interest, and any fees applied.

2. A copy of the original agreement that created this alleged debt, bearing my signature.

3. The full chain of assignment, including all transfer and sale agreements between the original creditor and any subsequent debt buyers, demonstrating that you have the legal right to collect.

4. Proof that you are licensed to collect debt in my state, including your debt collection license number.

5. A copy of any judgment, if applicable, that you claim justifies your collection efforts. 
Until proper validation is provided, I dispute this debt in its entirety. Any attempt to collect an unverified debt may be a violation of the FDCPA and other applicable laws.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all further communication with me regarding this matter, except to provide the requested validation or to notify me of specific legal actions you may take. Any further attempt to collect this debt without proper validation will be considered harassment and a direct violation of federal law.

Failure to comply with this request may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Please provide the requested documentation within 30 days of receipt of this letter. This letter serves as formal notice that I am fully aware of my rights under the FDCPA, FCRA, TILA, and all applicable state and federal laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief