Consumer complaint received 2025-01-17 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding a collections account initiated by XXXX XXXX XXXX. My name is XXXX XXXX and I am writing to explain that my identity was compromised and stolen. This theft of my identification has created a financial hardship for me and has ruined my financial reputation. I feel like Ive been taken advantage of possibly by those close to me or maybe my identity was leaked in a data breach I really dont know. As part of my due diligence, Ive done some research as to my rights as a consumer and the protection Ive been afforded if my identity is stolen. Listed below are the creditors, associated account numbers, and inquiries of the accounts that were fraudulently created in my name and the accounts that must be removed from my credit report : Acct : XXXX XXXX XXXX Acct # XXXX which I believe violates consumer protection laws. Specifically, I am referring to violations of consumer law 12 CFR 1006.34 ( b ) ( 5 ), consumer law 12 CFR 1006.34 ( d ), and 15 USC 1681-s2 ( 7 ) ( a ).

Furthermore, consumer law 12 CFR 1006.34 ( d ) mandates that collectors should not use false, deceptive, or misleading representations or means in connection with the collection of any debt. I have encountered misleading representations from the collection agency regarding the amount owed and the validity of the debt. 
Under consumer law you have 5 days to notify me that you have bought my debt from the previous collector and you guys failed to do so. Furthermore I need you guys to provide me with an assignment of debt or the agreement between you the collection agency and the original creditor. I am unaware of this debt. I didnt have an equal opportunity to refute this debt or information, if you guys believe that youve given me proper notice then verify that youve properly serve me the debt through the proper channels of mailing services. Provide authenticated certified mail receipts with my signature verifying that I received notice. I need all proof of validation. 
Lastly, according to 15 USC 1681-s2 ( 7 ) ( a ), collectors are required to provide accurate and complete information to credit reporting agencies. However, there have been inaccuracies reported to credit bureaus regarding this collections account, which has 1negatively impacted my credit score unfairly. I am requesting these accounts be investigated in accordance with the FCRA section 611. Procedure in case of disputed accuracy. I demand these accounts be blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. I understand that I must have an FTC report accompanied by a police report to support my claim of identity theft, and I have those documents to support my claim. I would like all documents relating to fraudulent transactions made and/or accounts opened using my personal information. 
I have attempted to resolve these issues directly with the collection agency but to no avail. 
Therefore, I urge the CFPB and other Agencies to investigate this matter thoroughly and take appropriate actions to ensure compliance with consumer protection laws. 
Thank you for your attention to this matter. My name is XXXX XXXX and I am contesting personal information that does not belong to me. 
Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! 
My only address is XXXX XXXX XXXX XXXX and my only phone number is ( XXXX ) XXXX According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.

Company response to consumer: Closed with non-monetary relief