Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX DOB : XX/XX/XXXX SSN : XXXX To whom it XXXX concern : Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : - XXXXXXXX XXXX XXXX XXXX XXXX I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate entries from my credit report and provide me with written confirmation of their removal within 30 days of receipt of this letter. Please be advised that under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. See XXXX XXXX EQUIFAX This letter is my formal written demand for you to investigate the following unverified and invalidated account listed below : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ( B ) ( iii ) of the Fair Credit Reporting Act, a description of the procedure used to determine the accuracy and completeness of the information you shall provide to the consumer.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above.

Attached you will find : - Drivers license - Proof of address - Ftc theft report

Company response to consumer: Closed with explanation