Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection accounts listed below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

XXXX  v. XXXX XXXX XXXX. XXXX  ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation - Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed. 

Immediate Deletion : If you can not fully validate this debt, remove it from XXXX, XXXX, and Equifax immediately. 

Accounts to Be Validated and Addressed : XXXX XXXX XXXX Account No. : XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) - Account No. : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) - Account No. : XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) - Account No. : XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX - Account XXXX. : XXXX XXXX  / XXXX  - Account No. : XXXXXXXX XXXX XXXX XXXX  - Account No. : XXXX XXXX XXXX - Account No. : XXXX XXXX - Account XXXX. : XXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Account No. : XXXX Unauthorized Inquiries to Be Removed : The following inquiries were unauthorized and must be removed from my credit file immediately : XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX - XX/XX/XXXX XXXX  - 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 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  - XX/XX/XXXX Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief