Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> -- - RE : Request for Debt Validation & Cease-and-Desist Multiple Accounts To Whom It May Concern, This letter is in response to your claims regarding the alleged medical debt ( s ) listed below. This is not an acknowledgment of liability for any of these accounts. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing these accounts and demanding proper validation. 


-- - Accounts in Question Creditor/Collector : XXXX. XXXX XXXX XXXX XXXX : {$5800.00} Creditor/Collector : XXXX. XXXX XXXX XXXX XXXX : {$550.00} Creditor/Collector : XXXX and XXXX XXXX : {$1000.00} -- - I have no recollection of these accounts, and since you have failed to provide proper validation as required by law, I must consider these accounts inaccurate, unverifiable, and therefore fraudulent in nature until proven otherwise. Unless you can provide full documentation for each account, you are required to permanently remove them and cease all collection or reporting activities. 


-- - My Demands : 1. Debt Validation ( FDCPA 809 / 15 U.S.C. 1692g ) Provide full validation for each account listed, including : A copy of the original signed contract or agreement.

A complete itemized statement of charges.

Proof that you are legally authorized to collect this debt. 

Documentation showing the full chain of assignment from the original creditor to your agency.

2. Credit Reporting Restrictions ( FCRA 611, 623, 15 U.S.C . 1681i, 1681s-2 ) Until you provide proper validation, you are prohibited from reporting these alleged debts to any consumer reporting agency. If already reported, this letter serves as formal notice demanding that you immediately cease reporting.

3. Cease-and-Desist of Collection Activities ( FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ) ) You are instructed to cease all collection efforts, including calls, letters, and electronic communications, until full validation is provided.

4. Permanent Removal if Not Verified If you can not provide complete and proper validation within 30 days, you must permanently remove these accounts from your records and from all consumer reporting agencies. Any continued attempt to collect or report unverifiable debt will be treated as a willful violation of federal law. 




-- - Notice of Rights & Intent Please be advised : Any attempt to collect without proper validation is a violation of the FDCPA. 

Any continued reporting of unverifiable debt is a violation of the FCRA. 

I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office if these violations persist. 


I expect your full compliance within 30 days of receipt of this letter. If you can not provide the required documentation, you must immediately remove these accounts from my credit reports and cease all collection activity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation