Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Formal Legal Complaint to the Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, My name is XXXX XXXX XXXX. 
I am filing a formal legal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a vehicle loan that was obtained through emotional manipulation, coercion, and financial abuse during a relationship. 
On or around XXXX to XX/XX/XXXX, I was emotionally pressured by my ex-partner, XXXX XXXX ( DOB : XX/XX/XXXX ), into applying for a vehicle loan under my name. The vehicle was financed through XXXX XXXX, with myself listed as the primary borrower and XXXX XXXX as the co-buyer. He stated he would be financially responsible and pressured me into using my credit while he retained full control of the vehicle. 
After the relationship ended, XXXX XXXX unlawfully retained the vehicle, ceased all communication, and failed to make the monthly payments. As of today, the account remains delinquent and is being used to pursue legal threats against me, despite the fact that I have not had access to or possession of the vehicle since the separation. The outstanding balance is approximately {$18000.00} and continues to damage my credit profile. 
Actions I Have Taken to Resolve This Matter : - Filed a police report with the XXXX XXXX XXXX Police Department ( Incident Report # : XXXX ) - Filed a sworn and notarized affidavit with a XXXX  Notary affirming the coercion and unauthorized debt - Submitted a report to the Federal Trade Commission ( FTC Report # : XXXX ) - Submitted a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  - Initiated a CFPB complaint and dispute process with all relevant documentation This situation meets the criteria for coerced debt and identity misuse under both federal and XXXX  law. I have been denied my consumer rights and am suffering from credit damage as a result of a fraudulent contract formed under manipulation. 
Legal Citations Supporting My Claim : Formal Legal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681c-2 ( FCRA 605B ) - 15 U.S. Code 1681i ( FCRA 611 ) - 15 U.S. Code 1681s-2 ( a ) ( 6 ) - 15 U.S. Code 1681g and 1681e ( b ) Under the Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S. Code 1692c ( FDCPA 805 ) - 15 U.S. Code 1692d ( FDCPA 806 ) - 15 U.S. Code 1692e ( FDCPA 807 ) - 15 U.S. Code 1692f ( FDCPA 808 ) - 15 U.S. Code 1692g ( FDCPA 809 ) Under XXXX  Law : - XXXX  Penal Code 31.07 - XXXX  Penal Code 32.32 - XXXX  Deceptive Trade Practices Act ( DTPA ) Requested Resolution : 1. Immediate removal of this account from all three major credit bureaus. 
2. Cessation of any collection or legal activity related to this coerced debt. 
3. Acknowledgment of the identity misuse and financial abuse that occurred. 
4. Notation on my credit file reflecting victim status per FCRA 605B. 
This matter is being prepared for civil court review. Please take urgent action to resolve and prevent further consumer harm. 

I am demanding immediately response. 

POLICE REPORT. 

FTC REPORT BBB COMPLAINT TEXAS AFFIDAVIT Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief