Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding an account that is being reported on my credit report by your company. Despite my written request for validation, XXXX XXXX and your company has failed to provide proper validation or assignment of the alleged account, as required by law. This letter also serves as a renewed formal request for full validation and a demand that this debt be deleted from all credit reporting agencies immediately.

1. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 809 ( 15 U.S.C. 1692g ), a consumer has the right to request validation of any alleged debt. Upon receiving such a request, the debt collector must cease all collection efforts until proper validation is provided. 
To date, XXXX XXXX and your company has failed to provide the following required documents : The original signed agreement or lease showing I owe this debt.

The itemized statement or ledger showing how the balance was calculated.

The full account assignment or chain of title showing legal ownership and the right to collect.

By continuing to report and/or attempt to collect on an invalidated debt, XXXX XXXX and your company is in violation of FDCPA 807 and 808 ( 15 U.S.C. 1692e1692f ), which prohibit false, deceptive, and unfair collection practices, including the reporting of unverified information to credit bureaus.

2. Regulation F ( 12 C.F.R. Part 1006 ) CFPB Implementation of the FDCPA Per Regulation F, issued by the Consumer Financial Protection Bureau ( effective XX/XX/year> ), debt collectors must not : Continue collection communications without first providing a complete validation notice ( 1006.34 ).

Report a debt to a credit bureau prior to providing the required validation notice ( 1006.30 ( a ) ). 
XXXX XXXX ongoing communication and credit reporting activity without proper validation is a direct violation of these provisions.

3. Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under the FCRA, data furnishers ( including debt collectors ) are required to report only accurate, validated and verifiable information to credit bureaus.

1681s-2 ( a ) prohibits the reporting of information known or reasonably should be known to be inaccurate.

1681i ( a ) requires credit reporting agencies to reinvestigate disputed information within 30 days. 
Because XXXX XXXX and your company has not provided verification or validation, any continued reporting of this debt to Experian, Equifax, or TransUnion is inaccurate and unlawful. Therefore, I am demanding immediate deletion of this tradeline.

4. Uniform Commercial Code ( UCC ) 3-501 ( b ) ( 2 ) and 3-505 Under the UCC, the party claiming a right to payment must produce the original instrument of indebtedness or an authenticated record evidencing the obligation.

Without this proof, there is no legal standing to enforce or collect on the alleged debt. I hereby demand that XXXX XXXX produce the original signed contract, assignment documents, and full accounting per UCC requirements.

Company response to consumer: Closed with explanation