Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

Consumer Financial Protection Bureau Subject : Complaint Regarding Equifax Data Breach Impact Claim Number XXXX I am writing to file a formal complaint concerning the significant negative impact on my credit report due to the Equifax data breach in XX/XX/2017. This breach, which affected approximately XXXX XXXX people, compromised my personal information, as confirmed by my involvement in the class action settlement ( Claim Number XXXX ). 

The breach has led to several inaccuracies in my Equifax credit report, including 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - **Dispute Reason** : Claimed as not your debt.

- **Law Cited** : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), which requires debt collectors to provide debt validation upon request.

- **Action** : Request debt validation, dispute with credit bureaus and collection agency in writing. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) ** - **Dispute Reason** : Debt not recognized by the consumer.

- **Law Cited** : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which mandates accurate information reporting by furnishers.

- **Action** : Send written disputes to credit bureaus and collection agency for debt validation, citing FCRA. 

XXXX. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX **Dispute Reason** : Account disputed by consumer after resolution.

- **Law Cited** : FCRA 1681i, requiring investigation of disputed information.

- **Action** : Send dispute letters to credit bureaus, stating its not your account. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ** - **Dispute Reason** : Claimed as not your debt. 
- **Law Cited** : FDCPA for debt validation requirements. 
- **Action** : Dispute in writing, requesting validation. 

XXXX. XXXX XXXX  - **Dispute Reason** : Incorrect repossession.

- **Law Cited** : FCRA for accuracy in credit reporting and Nevada Revised Statutes 598C.130 for state-level credit reporting requirements.

- **Action** : Dispute with evidence of inaccuracy. 

XXXX. XXXX XXXX XXXX XXXX **Dispute Reason** : Erroneous late payments.

- **Law Cited** : FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to correct and update inaccurate information.

- **Action** : Provide proof of on-time payments and dispute in writing. 

XXXX. XXXX XXXXXXXX XXXX  ( 2 accounts ) ** - **Dispute Reason** : Inaccurate late payments.

- **Law Cited** : FCRA 623 for correcting inaccurate information.

- **Action** : Dispute in writing any incorrect late payments. 

XXXX. XXXX XXXX XXXX XXXX XXXX **Dispute Reason** : Incorrect XXXX late payment. 
- **Law Cited** : FCRA for accurate credit reporting. 
- **Action** : Dispute the late payment as inaccurate. 

XXXX. XXXX - **Dispute Reason** : Incorrect charge-off.

- **Law Cited** : FCRA 623 for accurate information reporting.

- **Action** : Dispute with credit bureaus and issuer if incorrect. 

XXXX. XXXX XXXX - **Dispute Reason** : Charged-off account not belonging to the consumer. 
- **Law Cited** : Nevada statute NRS 598C.160 for proper reinvestigation and FCRA for accurate credit reporting.

- **Action** : Continue disputing the account.. These inaccuracies have unjustly damaged my financial reputation and creditworthiness.

Despite Equifax 's denial of wrongdoing and the absence of a judicial finding of fault, the consequences for me have been tangible and distressing. I urge the CFPB to intervene and investigate these inaccuracies, seeking their prompt rectification by Equifax. My financial integrity has been compromised, and I rely on your support to restore the accuracy of my credit information. 

Thank you for your attention to this serious matter.