Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my final formal dispute of the inaccurate and unverifiable information currently appearing on my credit reports with XXXX Equifax , and XXXX You have been repeatedly notified of these inaccuracies, yet the violations persist. Your agencies have violated the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent or inaccurate information without conducting a legitimate investigation as mandated by law. I am demanding the immediate deletion of the accounts and inquiries listed below and if you fail to comply within the legal timeframe, I will pursue damages to the fullest extent allowable under federal law, including statutory, actual, and punitive damages. Here are the Accounts Demanded for Immediate Deletion : XXXX : XXXX ( XXXX XXXX, Equifax ), XXXX : XXXX ( XXXX XXXX, Equifax ), XXXX XXXX XXXX ( XXXX, Equifax ) XXXX XXXX  : XXXX ( XXXXXXXX  ONLY ), XXXX : XXXX ( XXXXXXXX  ONLY ), XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX, ( XXXXXXXX XXXX  ), XXXX : XXXX ( XXXX XXXX Equifax ), XXXXXXXX XXXX XXXXXXXX ( XXXX ONLY ). Please delete these Inquiries : XXXX on XXXX from ( XXXX ), XXXX XXXX XXXX on XXXX from ( XXXX ) XXXX XXXX on XXXX from ( XXXX ) XXXX on XXXX from ( Equifax ) XXXX on XXXX from ( Equifax ) XXXX XXXX XXXX  on XXXX from XXXX XXXX XXXX on XXXX from ( XXXX  ) XXXX XXXX on XXXX from ( XXXX ) XXXX XXXX on XXXX from ( XXXX ) XXXX XXXX on XXXX from ( XXXX ) XXXX on XXXX from ( Equifax ) XXXXXXXX XXXX XXXX XXXX on XXXX from ( XXXX ) XXXX XXXX XXXX XXXX on XXXX from ( XXXX ) XXXX on XXXX from ( Equifax ). FCRA Violations You Are Now Responsible For : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate disputes. 15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum accuracy. 15 U.S.C. 1681c-2 : Failure to block fraudulent or unauthorized data upon receipt of an ID theft report. 15 U.S.C. 1681b ( f ) : Reporting or accessing information without permissible purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to report information you know is inaccurate. 15 U.S.C. 1681n and 1681o : Entitles me to actual, statutory, and punitive damages for willful or negligent noncompliance. CFPB Lawsuit Against XXXX Relevant and Applicable The Consumer Financial Protection Bureau ( CFPB ) has already prosecuted XXXX for sham investigations and blatant violations of consumer rights. Director XXXX XXXX stated : XXXX committed serious violations that harmed consumers by ignoring its legal responsibilities to investigate and correct errors. Source : XXXX XXXX XXXXconsumerfinance.govXXXX You are now on notice that you are exhibiting similar misconduct. Immediate Action Demanded : Permanently delete all the accounts and inquiries listed above from all credit reports. Provide written confirmation that the deletions have been completed. Send updated credit reports reflecting these corrections within 30 days of receipt of this letter. If you fail to comply, I will seek full legal damages including : {$1000.00} per FCRA violation ( 15 U.S.C. 1681n ) Actual damages for emotional distress, credit denial, and financial harm Punitive damages for willful misconduct Attorneys fees and court costs This is your final opportunity to comply and avoid costly litigation.

Company response to consumer: Closed with non-monetary relief