Consumer complaint received 2025-03-02 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation [ Account Number XXXX ] Dear XXXX XXXX XXXX XXXX I am writing to request validation of the debt referenced above, in accordance with my rights under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt and request that you provide me with verification as required by law.Specifically, I request that you provide the following documentation as proof that the debt is valid : 1. The name and address of the original creditor, as specified under 15 U.S.C. 1692g ( a ) ( 2 ). 2. A detailed statement of the amount owed, including the principal balance, interest, fees, and any other charges ( 15 U.S.C. 1692g ( a ) ( 1 ) ). 3. Documentation that proves your legal right to collect on the debt, including an assignment or sale of the debt ( if applicable ) and any agreements that show you have standing to collect this debt ( 15 U.S.C. 1692g ( a ) ( 4 ) ). 4. A copy of the original signed agreement or contract associated with the debt ( if applicable ), showing my responsibility for the debt.Please be advised that under the FDCPA, specifically 15 U.S.C. 1692g ( b ), you are required to cease collection efforts and verify the debt before continuing any collection activities. Furthermore, if you fail to provide the requested validation within 30 days of receipt of this letter, I consider the debt invalid and request that you cease all collection efforts on this account, as outlined in 15 U.S.C. 1692g ( b ) .In addition, I remind you that under 15 U.S.C. 1692e, it is illegal for you to make false or misleading representations regarding this debt. Therefore, if you can not substantiate this debt, I request that you remove any related negative information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.Finally, please note that I am exercising my right under 15 U.S.C. 1692c to request that all future communication be made in writing, and I request that you send the requested validation documentation to the address listed above.Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation within the 30-day period. Failure to comply with this request will be considered a violation of the FDCPA and other applicable laws, and I reserve the right to take further legal action if necessary.Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation [ Account Number XXXX ] Dear national credit system ], I am writing to request validation of the debt referenced above, in accordance with my rights under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt and request t Sun, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation [ Account Number XXXX ] Dear national credit system ], I am writing to request validation of the debt referenced above, in accordance with my rights under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt and request that you provide me with verification as required by law. 

Specifically, I request that you provide the following documentation as proof that the debt is valid : 1. The name and address of the original creditor, as specified under 15 U.S.C. 1692g ( a ) ( 2 ).

2. A detailed statement of the amount owed, including the principal balance, interest, fees, and any other charges ( 15 U.S.C. 1692g ( a
) ( 1 ) ).

3. Documentation that proves your legal right to collect on the debt, including an assignment or sale of the debt ( if applicable ) and any agreements that show you have standing to collect this debt ( 15 U.S.C. 1692g ( a ) ( 4 ) ).

4. A copy of the original signed agreement or contract associated with the debt ( if applicable ), showing my responsibility for the debt. 

Please be advised that under the FDCPA, specifically 15 U.S.C. 1692g ( b ), you are required to cease collection efforts and verify the debt before continuing any collection activities. Furthermore, if you fail to provide the requested validation within 30 days of receipt of this letter, I consider the debt invalid and request that you cease all collection efforts on this account, as outlined in 15 U.S.C. 1692g ( b ).

In addition, I remind you that under 15 U.S.C. 1692e, it is illegal for you to make false or misleading representations regarding this debt. Therefore, if you can not substantiate this debt, I request that you remove any related negative information from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Finally, please note that I am exercising my right under 15 U.S.C. 1692c to request that all future communication be made in writing, and I request that you send the requested validation documentation to the address listed above. 

Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation within the 30-day period. Failure to comply with this request will be considered a violation of the FDCPA and other applicable laws, and I reserve the right to take further legal action if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation