Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am demanding the immediate and permanent removal of the following fraudulent, unverified collection accounts from my rental and credit reports. These accounts have been disputed before, and despite no validation being provided, they continue to be illegally reinserted in violation of federal law.

Creditor : XXXX XXXX {$220.00} Creditor : XXXX XXXX XXXX {$690.00} LEGAL VIOLATIONS & CONSEQUENCES 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinvestigation of Disputed Information : Any reinsertion of previously disputed accounts must come with written notification and new verification from the furnisher of the debt. This has not been provided. 
Your actions constitute willful noncompliance and are subject to penalties. 

2. FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information : Reporting unverified, false, or fraudulent accounts violates federal law.

Continuing to report unverified debts is grounds for legal action. 

3. FDCPA 809 ( b ) Debt Validation Requirement : If a consumer disputes a debt, the collector must provide complete and verifiable documentation proving the legitimacy of the debt.

You have failed to provide this proof, making continued reporting unlawful. 

4. CRIMINAL IMPLICATIONS DATA PRIVACY VIOLATIONS & UNAUTHORIZED USE OF MY INFORMATION : If my personal data was purchased, sold, or used fraudulently without my consent, this could constitute a criminal offense under identity theft and data privacy laws.

I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue legal action for damages. 

REMOVE INCORRECT ADDRESSES IMMEDIATELY Additionally, I am demanding the immediate removal of all incorrect addresses that are not associated with me. 

I have already updated my correct address with my credit accounts and have previously informed you that certain addresses do not belong to me. Stop denying my requestthis is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

THESE ARE NOT MY ADDRESSES FINAL WARNING YOU HAVE 48 HOURS TO COMPLY I am giving you 48 hours from receipt of this letter to : Immediately remove these fraudulent collection accounts from all reporting databases ( Experian, Equifax, TransUnion ).

Remove all incorrect addresses from my credit report and rental screening. 
Provide written confirmation of these removals. 
Cease and desist from ever reporting these fraudulent accounts or incorrect addresses again. 

Failure to comply within XXXX hours will result in : A lawsuit for willful noncompliance, damages, and legal fees. 
Potential criminal investigations if my information was obtained or used unlawfully. 

This is your final warning. Any further reinsertion of these fraudulent accounts or failure to correct my information will result in immediate legal action. 

You have been notified. You have XXXX hours. Act accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation