Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I hereby address my complain directly to all pertinent credit reporting agencies, Experian, Equifax, and Trans Union respectively. Any financial institution or collection agency, including debt buyers must have a subscriber agreement with all agencies. They must as part of that agreement abide by the regulations in place through the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Fair and Accurate Credit Transactions Act. XXXX XXXX XXXX was given all documentation pertaining to an identity theft account that was procured in XXXX by my former husband. This account was removed by XXXX XXXX XXXX XXXX in XXXX after my FTC identity theft report was filed. XXXX XXXX XXXX XXXX claims that they now sold a debt that has been in default for over XXXX. Now XXXX XXXX XXXX claims that they own a debt of {$11000.00}, which is completely fraudulent. They acquired my past information from a debt pooling arrangement with federally licensed banks and credit unions. I submitted the proper documentation to offset this account and have it removed permanently as my rights under the XXXX federal laws in place. Accordingly, XXXX XXXX XXXX has violated their subscriber agreement with each credit bureau and should be fined and/or sanctioned by the Consumer Financial Protection Bureau , and their subscriber agreement should be rescinded. 

XXXX XXXX XXXX has committed fraud and should be fined and their subscriber agreement rescinded with all credit bureaus. XXXX does not get a pass on following the rules. XXXX even refused to acknowledge my identity theft complaint filed with the Federal Trade Commission, even though it was requested by XXXX XXXX XXXX XXXX. Therefore, I respectfully request all credit reporting agencies, along with the Consumer Financial Protection Bureau to enforce my rights under the Fair and Accurate Credit Transactions Act, and to delete all XXXX XXXX  tradelines accordingly. 
I previously sent a complaint to the CFPB pertaining to debt purchases by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. As a resident of the state of Florida, this collection has passed the legal timeline to be enforced in any state court action. However, my complaint is even more serious as XXXX XXXX XXXX has stolen my identity to use for financial gain. They are using my information for debts that they have not, nor can its ownership be proven as legally obtained. 

As the XXXX XXXX XXXXXXXX XXXX XXXXXXXX has oversight on the XXXX XXXX  XXXX XXXX, it has established regulations on debt buyers and their licensing requirements. Those requirements are as follows : XXXX XXXX XXXX had to pass the necessary testing for XXXX licensing. 

XXXX XXXX XXXX must be bonded. 

Principals of XXXX XXXX XXXX must have passed a criminal background check. 

Debt purchases must be completed not in bulk, but by registered accumulation individually, i.e., if owned by a pooling and servicing agreement, the debt must show acquired back from procuring lender, in both cases XXXX XXXXXXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX must show the re-acquirement from the pooling and servicing agreement, and the sale of each debt individually and not in bulk. 

XXXX XXXX XXXX has been acquiring debt, not legally in bulk purchase arrangements, which is illegal in all state courts and can not stand the test of actual true ownership. 

My request ( s ) for documentation from XXXX XXXX XXXX through the CFPB was answered with a non-sequitur as follows : With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the Account records, the tradeline for this Account should not be deleted ; however, it is reported as disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless new information indicates that the disputes should be removed. If, after reviewing the above-referenced information, XXXX XXXX XXXX this Account to be fraudulent, we ask that they provide one of the following documents in order to help us resolve this matter : a completed police/incident report, a notarized affidavit of fraud or identity theft, or an Identity Theft Report generated via www.identitytheft.gov. 

XXXX HAS THE IDENTITY THEFT REPORT FILED AGAINST XXXX XXXX XXXX XXXX. IT AUTOMATICALLY PASSED ONTO XXXX. HOWEVER, THIS PROVE XXXX COMMUNICATION BETWEEN XXXX AND XXXX THUS PROVING MY CASE FOR FINANCIAL FRAUD AND IDENTITY THEFT. 

Accordingly, both debt purchases are fraudulent and all my information must be purged by XXXX XXXX XXXX and all references to these debts must be deleted from Experian, Equifax, and Trans Union respectively. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief