Consumer complaint received 2025-09-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Re : Debt Validation Request Notice of Dispute Account Number : XXXX To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt that you claim I owe.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this debt and any other alleged debts you have in my name by requesting full validation. I do not acknowledge ownership or liability for this alleged debt and require strict proof that XXXX XXXX XXXX has the legal standing to collect. 
Under UCC 8-102 ( a ) ( 15 ), a security is defined as a financial asset that may be transferred and held by a clearing corporation. If this alleged debt has been securitized, transferred, or sold into a trust, then XXXX XXXX XXXX is not the rightful owner and therefore lacks standing to collect. 
Additionally, Rule 1002 of the Federal Rules of Evidence requires the original document or contract to prove the content of a writing, recording, or photograph. A mere statement or printout is insufficient to validate this alleged debt. 
I dispute any and all accounts you have in my name. Therefore, I demand the following documentation to verify the legitimacy of your attempt to collect as follow : 1. Proof of Ownership and Legal Standing A signed contract or agreement bearing my signature that created this alleged obligation. 
A chain of titles such as the bill of sale and assignment agreements proving XXXX XXXX XXXX legally acquired the alleged debt. 

The full purchase agreement between XXXX XXXX XXXX and the original creditor, including all terms of sale. 
2. Full Debt Validation & Itemized Accounting A detailed accounting ledger from the original creditor showing the full breakdown of principal, interest, and fees.

Proof of the accuracy of the balance you claim is owed.

A breakdown of how you calculated the amount claimed.

3. Securitization & Financial Asset Verification Confirmation whether this alleged debt was securitized or sold as part of any asset-backed security.

The name of any trust, fund, or special purpose vehicle associated with this debt. 
Copies of the Pooling and Servicing Agreement, trust agreements, or prospectuses related to the securitization of this account. 
XXXX. Debt Collector Authorization & Compliance A copy of XXXX XXXX XXXX XXXX XXXX license proving authority to collect in my state. 
Copies of any agreements authorizing your agency to collect on behalf of the original creditor. 
The name and contact information of the original creditor and proof that they authorized XXXX XXXX XXXX  to collect. 
5. Consumer Rights Compliance A copy of the Notice of Assignment from the original creditor informing me of the ownership transfer.

Copies of all letters and notices related to this alleged debt. 
A copy of any arbitration clauses, jurisdiction agreements, or other governing contracts. 
Failure to Validate and Legal Consequences Until you provide the requested documents, I do not acknowledge any liability for this alleged debt. If you fail to validate, you are required to cease collection efforts under 15 U.S.C.

1692g ( b ). Any attempt to continue collection without proper validation violates federal law and may result in legal action. 
Additionally, I request that you update all credit reporting agencies to mark this debt as " disputed '' under 15 U.S.C. 1692e ( 8 ). Failure to do so may result in a complaint to the FTC, and my state Attorney General and OCC as needed. I have made it abundantly clear what I am asking for and what you are obligated to do by law and I expect your prompt attention in this matter. As a matter of fact I request full validation of any and all alleged debts you claim you have on me. 
Please respond in writing within 30 days of receiving this request. If you can not provide strict proof of ownership and legal standing, I expect written confirmation that this account will be closed and any negative reporting removed from my credit file. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation