Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : Formal Notice of Dispute, Identity Theft Claim, and Demand for Deletion Creditor : XXXX ( XXXX XXXX XXXX Account : XXXX To Whom It May Concern, I am submitting this correspondence as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and as a notice of identity theft and unauthorized transactions associated with the above-referenced account. This account has been disputed multiple times and continues to be reported as verified. However, the information being reported remains incomplete, inconsistent, and unsupported by any competent evidence, and now includes elements indicative of unauthorized use and identity theft. XXXX XXXX XXXX Grounds for Dispute 1. Identity Theft / Unauthorized Transactions FCRA XXXX I have reason to believe that transactions associated with this account were not authorized by me. I did not knowingly enter into, authorize, or benefit from the obligation as currently reported. You are required to block and remove information resulting from identity theft upon proper notice. XXXX. Failure to Conduct a Reasonable Investigation FCRA 1681i ( a ) ( 1 ) ( A ) Despite prior disputes, this account continues to be verified without evidence of a lawful investigation. Automated verification systems do not satisfy the statutory requirement for a reasonable investigationespecially where identity theft has been asserted. XXXX. Failure to Provide Method of Verification FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) You have failed to disclose the method of verification, including : - The name, address, and telephone number of any furnisher contacted- The procedure used to determine accuracy XXXX. Incomplete and Misleading Reporting FCRA XXXX ( b ) The account reflects : - {$0.00} reported balance - No Info for payment status - No late payment history ( XXXX ) - Closed account ( XX/XX/year> ) This conflicts with any implication of a valid or enforceable obligation and raises serious concerns regarding the accuracy and integrity of the reported data. XXXX. Failure of Furnisher to Provide Competent Evidence FCRA XXXX ( b ) If verification was obtained through the furnisher, they are required to provide documentation including : - Original signed agreement or contract - Complete transactional history - Proof that the alleged transactions were authorized by me No such documentation has been provided. XXXX XXXX XXXX Demand for Remedy Based on the above, I demand the following : - Immediate deletion and blocking of this account from my credit file under FCRA XXXX - Full disclosure of the method of verification - Copies of any documentation used to verify this account and alleged transactions If you are unable to produce verifiable proof that I authorized this account and its transactions, you are required to permanently remove it from my credit report. Failure to comply will result in escalation, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and pursuit of remedies for willful and negligent noncompliance under FCRA XXXX and XXXX. This is not a request for correction or update. This is a demand for deletion and identity theft block. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation