Consumer complaint received 2025-12-07 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMAL DEMAND FOR FULL VALIDATION OF ALLEGED DEBT Account Number : XXXX Balance Listed : {$3500.00} Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern : I am disputing the validity, ownership, accuracy, and enforceability of the debt you are reporting. This letter serves as a formal demand for complete validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and a notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

This is NOT a refusal to pay. It is a demand that you prove that you have the legal right to collect and report this alleged debt. 

Until you provide the requested validation, you are required by federal law to cease all collection activity, including reporting, verifying, or modifying this account with any credit bureau. 



I Demand Full And Complete Debt Validation Including the Following : 1. The ORIGINAL signed contract or agreement showing my acceptance of the debt with XXXX XXXX XXXX XXXX, including all required disclosures and terms. 

XXXX. Full Chain of Custody / Chain of Title Documentation You must produce every assignment, transfer, and purchase agreement connected to this debt, including : Bill of Sale Purchase / Sale Agreement Assignment of Rights Forward Flow Agreement Chain of Title from original creditor to every subsequent buyer Generic bills of sale WILL NOT satisfy validation. 
You must provide documentation specifically identifying my account, as the FTC has ruled multiple times that a generic bill of sale does not prove ownership of any particular debt. 

XXXX. Proof of authorization and legal standing Provide evidence that XXXX XXXX XXXX is legally authorized to collect in my state, including any required licensing ( if applicable ). 

XXXX. Full itemized accounting A breakdown of : principal interest fees penalties any charges added after charge-off explanation of how the claimed balance of {$3500.00} was calculated XXXX. Complete payment history From the original creditor to charge-off. 

XXXX. Proof that the debt is within statute of limitations I require documentation showing the date of first delinquency ( DOFD ). 

XXXX. Identity and credentials Provide the full name, title, and applicable license number of the individual validating this account. 



Failure to Validate = Federal Violations If you can not produce all required documentation, you must : XXXX. Delete the account from all credit bureaus, per FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i. 
XXXX. Cease all collection efforts, including phone calls, letters, and reporting. 
XXXX. Refrain from selling, transferring, reassigning, or re-aging this disputed debt. 

If you continue to report this account without providing validation, you will be in violation of : FDCPA 1692g ( b ) continuing collection without validation FDCPA 1692e using false/ misleading representations FCRA 1681s-2 ( b ) failing to conduct proper reinvestigation 15 U.S.C. 1681i reporting disputed information without verifying it These violations carry statutory penalties of {$1000.00} per FDCPA violation plus punitive and actual damages. 
I reserve the right to pursue complaints with the : FTC State Attorney General Consumer Protection Division and seek civil remedies if necessary.

Notice of Limited Communication Under FDCPA 1692c ( c ), you are to contact me only in writing at the address listed above. 
Any other form of contact constitutes harassment. 



You have 30 days from receipt of this letter to comply. 

Failure to provide complete validation will be treated as confirmation that you can not prove ownership or accuracy, and the account must be permanently removed from my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief