Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
Subject : Final Demand for Full Verification and Lawful Documentation of Alleged Account Account Number : XXXX NOTICE To XXXX XXXX XXXX XXXX XXXX Department, This correspondence serves as a formal follow-up to your response dated XX/XX/XXXX, concerning the above-referenced account. Your reply failed to satisfy multiple lawful requests, including but not limited to the production of authenticated, sworn, and factual documentation to verify the existence, validity, and enforceability of the alleged debt as required under federal law. 

FAILURE TO PROVIDE REQUESTED DOCUMENTATION Despite clear demand, you failed to provide : A sworn statement under penalty of perjury from an officer of XXXX XXXX XXXX or the original creditor ( XXXX ) attesting to the accuracy and legitimacy of the alleged debt. 


A copy of the original contract bearing my signature, proving privity of contract and the legal authority to collect. 


Itemized transaction records from the inception of the account, demonstrating how the balance was derived. 


Proof of ownership transfer and the chain of title from XXXX to XXXX XXXX XXXX, including notarized assignments. 


Proof of authority to report the alleged debt to credit reporting agencies. 


YOUR LEGAL OBLIGATIONS UNDER FEDERAL LAW You are obligated by law to provide complete and factual verification under : 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which mandates that upon dispute, the collector must cease collection until verification is provided.

15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation and correction or deletion of disputed information. 


Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to provide meaningful and complete verification constitutes a violation of the FDCPA. 


XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer reporting agencies and furnishers must go beyond a cursory review to ensure data accuracy. 


Your failure to produce any of the requested evidence including a simple sworn affidavit constitutes a willful and knowing violation of both FDCPA and FCRA. This noncompliance has caused harm to my financial standing, creditworthiness, and peace of mind.

FINAL DEMAND You are hereby demanded to provide all requested documents and sworn verification within ten ( 10 ) calendar days of receipt of this notice. Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A claim to the State Attorney Generals Office Potential legal action for willful noncompliance and damages under federal law If you can not or will not provide lawful verification, you must immediately delete the tradeline from all consumer reporting agencies, cease collection efforts, and issue written confirmation that the account has been closed and deleted. 
Govern yourselves accordingly. 

PLEASE NOTE : Every communication will be used as evidence.

Company response to consumer: Closed with non-monetary relief