Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Documentation of Validation Methods Disputed Accounts with XXXX XXXX XXXX ( FCRA, 12 CFR Part 1022, Regulation F, and Legal Precedent ) Dear Equifax, XXXX XXXX XXXX, This letter serves as my formal request for specific documentation regarding the methods used by your agency to validate the accuracy and completeness of information provided by creditors, specifically concerning my disputed accounts with XXXX XXXX XXXX. Based on correspondence received, the relevant account numbers associated with XXXX XXXX XXXX are XXXX ( originally with XXXX XXXX XXXX ) and XXXX ( originally with XXXX  XXXX, XXXX. ). Please note that XXXX is a legal case number, not an account number. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 12 CFR Part 1022 ( 76 Fed. Reg. 79308 ), and the Fair and Accurate Credit Transactions Act ( FACT Act ), consumer reporting agencies ( CRAs ) and furnishers must ensure the accuracy and integrity of consumer information.

Further, under CFPB Regulation F ( 12 CFR Part 1006 ), debt collectors are required to : Provide clear and accurate validation notices. 

Verify the chain of ownership of debts before collection. 

Follow limits on call and digital contact. 

Offer opt-out options for digital communications. 

Avoid misrepresentation or harassment ; Refrain from attempting to collect unverified debts. 

Therefore, I formally request the following documentation regarding your investigation of my dispute with XXXX XXXX XXXX : Documentation of Investigation Methods : Please provide full records detailing the steps taken in your investigation of my disputes with XXXX XXXX XXXX, including all communication with XXXX XXXX XXXX and any documents they provided to validate the debts. Under FCRA Section 623 ( b ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ), you are required to conduct a reasonable investigation and review all relevant information provided by me. Additionally, per FCRA Section 611 ( a ) ( 7 ), you are required to disclose to me the methods used to determine the accuracy and completeness of the information, including the name, address, and phone number of the furnisher contacted. 

Proof of Furnishers Investigation and Reporting : I demand evidence that XXXX XXXX XXXX conducted a reasonable investigation under FCRA Section 623 ( b ) ( 1 ) ( C ) and that they provided you with documentation supporting their claims. This includes documentation of their internal review processes, as well as evidence of their compliance with FCRA and Regulation F validation requirements. 

Records of Accuracy & Completeness Verification : I request full documentation explaining the procedures, policies, and specific verification methods your agency uses to confirm the accuracy and completeness of information from XXXX XXXX XXXX and similar furnishers. 

Signed Contract or Agreement Bearing My Handwritten Signature : I specifically request a copy of the original signed agreement or contract bearing my wet-ink, handwritten signature that allegedly authorizes or obligates me to this debt, as required under federal and state contract law to establish a valid business relationship or debt obligation. If such a document does not exist, please acknowledge that no such contract exists between me and XXXX XXXX XXXX or the original creditor. Any electronically created documents or digital agreements do not constitute proper proof of legal obligation without my handwritten signature under applicable laws. 

My request is further supported by the following facts : XXXX XXXX  XXXX  servicer, XXXX XXXX XXXX XXXX, has already refused to provide a copy of the purchase and sale agreement for the alleged debts, explicitly stating, Resurgent is not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and declines to do so. 

In the Defendants Motion to Dismiss with XXXX ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  ), the defendant asserted that XXXX XXXX XXXX failed to validate the alleged debt or show proof of assignment, similar to the dismissal in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX ). 

Furthermore, FCRA requires all users of consumer reports to provide clear disclosures about investigative reports and deliver a summary of consumer rights, which must include detailed investigative procedures upon request. 

Please provide all requested documentationincluding the contract with my signaturewithin 30 days from the date of this letter. If fees apply for copies, please notify me in advance. 

Thank you for your prompt attention. I look forward to receiving your full response.

Company response to consumer: Closed with explanation