Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX, L.P., the servicer for the debt owned by XXXX XXXX XXXX, for violating federal laws governing debt collection and credit reporting. 

Despite my written request for debt validation sent on XX/XX/XXXX, XXXX XXXX XXXX has failed to provide the legally required documentation within the 30-day timeframe established under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, their continued reporting of this unvalidated debt to Equifax violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Background Information Debt Details : Original Creditor : XXXX ( loan serviced by Avant ) Loan Origination Date : XX/XX/XXXX Current Debt Owner : XXXX XXXX XXXX ( serviced by XXXX XXXX XXXX ) Claimed Debt Balance : {$3900.00} Key Timeline : XX/XX/XXXX : I formally requested debt validation from XXXX XXXX XXXX via written communication. 
XX/XX/XXXX : Complaint response ( XXXX ) received from BBB stating that XXXX and XXXX saying each party is liable to provide information. No information was provided other than finger pointing. 
XX/XX/XXXX : XXXX has failed to provide any adequate validation of the debt, such as the original loan agreement, detailed accounting of the balance, or proof of ownership of the debt. 
Despite their failure to comply with validation requirements, XXXX and XXXX XXXX XXXX continue to report this unvalidated debt to Equifax, causing harm to my creditworthiness. 

Violations Failure to Validate the Debt ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must cease all collection activities, including credit reporting, upon receipt of a dispute and a request for validation until they provide proper validation. Resurgent has failed to provide validation yet continues to report this debt to Equifax, in clear violation of this statute. 

Inaccurate and Incomplete Credit Reporting ( FCRA Violation ) : The debt is reported to Equifax only, raising concerns about incomplete and inaccurate credit reporting under 15 U.S.C. 1681s-2 ( b ). 
The account is not consistently marked as " disputed, '' which further violates the FCRA and undermines the accuracy of my credit report. 
Unfair Business Practices and Misrepresentation : Resurgent 's failure to provide proper validation while continuing to report the debt constitutes deceptive and unfair practices under Section 5 of the Federal Trade Commission Act. 

Requested Actions I request the CFPB assist in enforcing the following corrective actions : Immediate Deletion of the Debt from Equifax : Due to Resurgent 's failure to validate the debt within the required timeframe, I request the debt be immediately removed from my Equifax credit report. 

Cease All Collection Efforts : Resurgent and XXXX XXXX XXXX must cease all collection activities related to this account, including phone calls, letters, and reporting to any credit bureau. 

Investigation of Legal Violations : Investigate XXXX XXXX XXXX and XXXX XXXX XXXX for their failure to comply with federal laws, including violations of the FDCPA and FCRA. 

Consumer Redress and Penalties : Impose appropriate fines and penalties on XXXX XXXX XXXX and XXXX XXXX XXXX for their noncompliance with federal regulations and deceptive practices. 

Supporting Documentation I have attached the following documents for review : My debt validation request dated XX/XX/XXXX. 
The incomplete and generic response from XXXX that failed to provide sufficient validation. 
My requests that were not satisfied. 

Conclusion XXXX XXXX XXXX and XXXX XXXX XXXX have demonstrated a blatant disregard for their legal obligations under the FDCPA and FCRA. Their continued reporting of this unvalidated debt to Equifax has caused harm to my credit profile, necessitating immediate corrective action. 

I respectfully request the CFPB investigate this matter promptly and ensure this account is removed from my credit file. 

Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief