Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Follow-Up Request for Debt Validation & Assignment Contract To Whom It May Concern, This letter serves as a follow-up to my previous debt validation request, which you received on XX/XX/scrub> 2024, regarding the alleged debt referenced above in the amount of {$640.00}. You have failed to provide the necessary validation, specifically the assignment contract and full documentation requested. 

As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am reiterating my request for proper validation of this debt, including documentation proving your legal authority to collect.

Required Documentation Still Outstanding You must provide the following documents that were not included in your previous response : 1. Assignment Contract & Proof of Ownership - A full copy of the assignment contract or purchase agreement transferring this debt from the original creditor to your agency.

- If the debt was transferred multiple times, provide a chain of title documenting each sale.

2. Proof of Authority to Collect - A notarized statement from the original creditor confirming your agencys authorization to collect on their behalf.

3. **Original Signed Agreement - A copy of the original signed agreement that created this debt.

4. Statute of Limitations Compliance - The date of last payment or activity on this account to confirm whether it is beyond the statute of limitations for collection in my state.

5. IRS Form 1099-C Compliance - If this debt was charged off, confirm whether an **IRS Form 1099-C ( Cancellation of Debt was issued as required under 26 U.S.C. 6050P. If a 1099-C has been issued, provide an explanation for continued collection efforts.

6. Fair Credit Reporting Act ( FCRA ) Compliance - If this debt has been reported to credit bureaus, provide proof of compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 verifying the accuracy of all reported information.

Cease Collection Activities Until Full Validation is Provided Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts, and credit reporting agencies until you provide full and complete validation. This includes phone calls, letters, legal actions, and any credit reporting activities.

Final Warning : Failure to Comply If you fail to provide the requested documentation within **15 days**, I will take the following actions : -File disputes with credit reporting agencies ( Experian, Equifax, TransUnion ) to remove unverified debts.

- Report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office** for violations of FDCPA and FCRA regulations.

- Pursue legal action if necessary** for any continued unlawful collection activities.

This letter is not an acknowledgment of this debt but a formal request for proper validation. If you can not provide full validation, I expect this debt to be permanently removed from all records. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief