Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fax : ( if available ) Email : ( if available ) RE : DISPUTE OF ACCOUNT # XXXX | CEASE & DESIST | DEMAND FOR IMMEDIATE DELETION To Whom It May Concern : This letter serves as a formal dispute and validation request under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and relevant federal case law regarding the alleged debt reported by your agency on my credit report. 

1. FCRA VIOLATIONS ( 15 U.S. Code 1681b, 1681s-2, 1681i ) You are currently reporting account # XXXX on my credit file without proper verification or permissible purpose. 

Under 15 U.S. Code 1681b, you must have permissible purpose to access or report my credit data. I demand documentation proving this authority. 
Under 15 U.S. Code 1681i, any inaccurate or unverifiable account must be immediately removed after dispute unless full validation is provided.

Under 15 U.S. Code 1681s-2, furnishers of information ( you ) must not report information you know or should know is inaccurate.

XXXX. FDCPA VIOLATIONS ( 15 U.S. Code 1692g & 1692e ) Your XX/XX/XXXXXXXX  collection letter attempts to collect on a XXXX XXXX account without providing full debt validation per the FDCPA. 

You failed to provide the original signed agreement, full chain of title, and proof of assignment authorizing you to collect this debt. 
Under 15 U.S. Code 1692g ( b ), any collection efforts must cease until validation is provided.

Misrepresenting the character, amount, or legal status of any debt violates 15 U.S. Code 1692e ( 2 ) ( A ).

3. UCC VIOLATION ( UCC 3-501 ) Per the Uniform Commercial Code, I am demanding presentment of the original instrument bearing my wet ink signature. You can not legally enforce a claim absent the original obligation. Your failure to provide such proof is a material breach of contract enforcement under UCC 3-501.

4. CASE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : A XXXX failure to verify or validate a debt renders reporting unlawful. 
XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : FCRA requires deletion of unverified or inaccurate information. 
Carvalho v. Equifax Information Services, LLC, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Furnishers must conduct reasonable investigations upon dispute. 
5. DECEPTIVE REPORTING AND VIOLATION OF CONSUMER RIGHTS The reported amount on the credit report ( {$320.00} ) conflicts with the amount on the collection notice ( {$320.00} ). This is false or misleading information, violating 15 U.S.C. 1692e ( 10 ).

The date of last payment ( XX/XX/XXXX ) appears suspiciously close to the date the account was opened with you ( XX/XX/XXXX ), suggesting re-aging, which is illegal under FCRA.

Company response to consumer: Closed with explanation