Consumer complaint received 2026-02-17 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: PA

Complaint narrative:
RE : WILLFUL AND MALICIOUS VIOLATIONS OF FEDERAL LAW IMMEDIATE DELETION DEMANDED UNDER FCRA, FDCPA, TILA, AND MULTIPLE CRIMINAL STATUTES CFPB COMPLAINT ATTACHED I am XXXX XXXX, a living, breathing natural person. You are currently publishing false, inaccurate, deceptive, and defamatory information on my consumer report that has caused me severe emotional distress, financial harm, and damage to my reputation. 
You are in willful violation of the following federal laws ( this is not a request this is a legal demand backed by statute ) : 15 U.S.C. 1681 ( a ) ( 4 ) Consumer Right to Privacy 15 U.S.C. 1681e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy 15 U.S.C. 1681b Permissible Purposes ( no written consent ever given ) 15 U.S.C. 1681n Civil Liability for Willful Noncompliance ( $ XXXX per violation ) 15 U.S.C. 1681s-2 ( b ) Duty to Investigate and Delete Inaccurate Information 15 U.S.C. 1692e False or Misleading Representations 15 U.S.C. 1692f Unfair Practices 15 U.S.C. 1692g Validation of Debt ( you have failed ) 15 U.S.C. 1692j Furnishing Deceptive Forms 15 U.S.C. 1602 Definitions ( I am the original creditor I never extended you credit ) 15 U.S.C. 1666b Timing of Payments ( no legal definition of late payment used correctly ) 18 U.S.C. 1028A Aggravated Identity Theft FDCPA 807 ( 8 ) Misleading False Reporting FDCPA 806 Harassment and Abuse You did NOT witness me sign anything. You have zero firsthand knowledge. You never obtained my written consent. You are publishing this garbage anyway. 
Your own report is internally contradictory and proves the information is inaccurate : You list $ XXXX in actual balances/charge-offs/collections. 
Yet your Debt Summary fraudulently states only {$470.00}. 

This is textbook deceptive reporting. 
I DEMAND IMMEDIATE DELETION ( NOT INVESTIGATION DELETION ) OF THE FOLLOWING ACCOUNTS WITHIN 5 BUSINESS DAYS : XXXX XXXX XXXX ( Acct ending XXXX ) Unauthorized collection. Inaccurate reporting. No contract exists with this entity.Identity theft. 
XXXX XXXX XXXX ( Acct ending XXXX ) XXXX  ( Acct ending XXXX ) XXXX  XXXX XXXX ( Acct ending XXXX ) XXXX  XXXX ( Acct ending XXXX ) XXXX XXXX ( Acct XXXX XXXX ) Fraudulent reporting ; information does not match the original creditor. Already sold to XXXX double reporting violation. 
XXXX ( Acct ending XXXX ) XXXX XXXX XXXX ( Acct ending XXXX ) Section 611 ( a ) of the FCRA is crystal clear : If you fail to investigate and delete within 30 days ( which has already passed on previous disputes ), you MUST delete these items immediately. I am now demanding deletion under the maximum possible accuracy standard. 
Do NOT respond with verified by furnisher. I demand you send me copies of every single document you used to verify these accounts ( original signed contract with my wet-ink signature, chain of title, etc. ) under 15 U.S.C. 1681g. Failure to do so is additional willful violation. 
I have already filed this complaint with the Consumer Financial Protection Bureau, my state Attorney General, the FTC, and XXXX. I am prepared to file suit in federal court and small claims court for statutory damages of {$1000.00} per violation, actual damages, punitive damages, and attorney fees. 
Delete every single item listed above immediately or face the full consequences of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief