Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
Consumer Financial Protection XXXX XXXX XXXX, XXXX, XXXX XXXX EquifaxP.O. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXbject : Formal Complaint CFPB Case # XXXX | Violation of Federal Consumer Credit Laws | Disputed and Fraudulent Accounts Reporting Reference Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Compliance Division and Respective Credit Reporting Agencies : I am writing as a consumer and citizen whose rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws have been blatantly and repeatedly violated. 

I am filing this formal complaint in response to the XX/XX/year> CFPB XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> letter regarding the XXXX above-referenced collection accounts owned by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Let me be clear : I dispute these accounts in full. 
I do not acknowledge any obligation or ownership over these alleged debts. 
I have submitted valid documentation, including a police report and identity theft affidavit, in accordance with 15 U.S. Code 1681g and 1681s-2 ( a ) ( 6 ) ( B ).

Yet, all my prior disputes have been ignored or summarily dismissed without proper investigation, in violation of the FCRA and FDCPA.

Legal Violations and Oversight : Despite my repeated filings, your agencies have failed to : 1. Conduct a reasonable investigation as required by 15 U.S. Code 1681i ( a ).

2. Provide validation or verification of the debt, pursuant to FDCPA 809 ( b ).

3. Remove or cease reporting of fraudulent items that I have clearly identified and documented.

4. Uphold your legal obligation to correct or delete inaccurate or unverifiable information.

Continuing to report these disputed, fraudulent, and unverified accounts to the credit bureaus is a willful violation of federal law and has caused me irreparable harm, including but not limited to : Denial of credit Emotional distress Reputational damage Formal Demand : I am demanding the following actions be taken immediately : Permanent removal of the accounts referenced above from my credit reports across Equifax, XXXX XXXX XXXX 
Written confirmation from each credit bureau and CFPB that these items have been deleted and will not reappear. 
A full explanation of why my prior documentation was discarded without proper follow-up, in direct contradiction to federal law. 

Final Warning : I will not continue to engage in this endless cat-and-mouse process of submitting police reports, affidavits, and certified lettersonly to have my evidence disregarded. If you continue to neglect your statutory responsibilities and consumer protection obligations, I will escalate this matter through : Legal action against the furnishers and reporting agencies involved.

Filing additional regulatory complaints with the FTC, State Attorney General, and other oversight bodies.

Seeking monetary damages as provided under 15 U.S. Code 1681n and 1681o.

I expect this matter to be resolved within 15 business days, and I am requesting copies of all actions taken to date regarding this dispute. I will no longer accept vague replies or partial acknowledgments. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief