Consumer complaint received 2025-05-19 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, SC XXXX XXXX, SC XXXX Subject : Formal Dispute of Alleged Debt Failure to Validate Under Federal Law To Whom It May Concern, This letter serves as formal notice of dispute regarding the alleged account referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are legally required to provide full validation of any debt you claim I owe. 
I am demanding strict proof that XXXX XXXX XXXX has the legal standing to report and collect on this debt. This includes but is not limited to : XXXX XXXX XXXX  1. Proof of Ownership & Legal Standing - A copy of the original signed contract between myself and the original creditor, explicitly proving I agreed to this debt. 
- A complete chain of title showing the legal assignment of this debt from the original creditor to XXXX XXXX XXXX. Mere data printouts or generic account statements are not sufficient. 
XXXX XXXX XXXX 2. Complete and Itemized Accounting of Alleged Debt - A detailed breakdown of how the balance was calculated, including all principal, interest, fees, and charges. 
- A copy of all account statements from the original creditor showing each transaction leading up to the alleged balance. 
XXXX XXXX XXXX XXXX. Proof of XXXX XXXX XXXX Right to Report This Debt - A signed contract between XXXX XXXX XXXX and the credit bureaus demonstrating your permissible purpose under 15 U.S.C. 1681b to report this debt on my consumer report. 
XXXX XXXX XXXX 4. Affidavit from Original Creditor - A sworn affidavit from the original creditor verifying that the balance XXXX XXXX XXXX claims to be collecting is accurate, legitimate, and that the debt was not forgiven, settled, discharged, or otherwise resolved prior to being sold. 
XXXX XXXX XXXX Failure to Comply Will Result in Legal Action Under 15 U.S.C. 1692e, any false, deceptive, or misleading representationincluding reporting unverifiable debtconstitutes a violation of federal law. Furthermore : - If you fail to validate this debt, you must immediately delete it from my credit report. Continuing to report an unverified debt is a direct violation of the FCRA and FDCPA, subjecting XXXX XXXX XXXX to statutory damages of up to {$1000.00} per violation plus actual damages, attorney fees, and court costs. 
- If you continue collection activity without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for unfair and deceptive practices. 
XXXX XXXX XXXX Time-Sensitive Demand Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you have provided the requested documentation. You have 30 days from receipt of this letter to fully validate this debt or delete it from my records. 
If you fail to respond appropriately, I am fully prepared to pursue legal action against XXXX XXXX XXXX for violations of federal consumer protection laws. 
This letter serves as formal notice, and I expect written confirmation within 30 days that this matter has been resolved. 
Govern yourselves accordingly. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation