Consumer complaint received 2025-12-18 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:
Equifax Dispute Credit World Account To : Equifax Information Services LLC Re : Formal Dispute and Demand for Deletion Credit World Account To Whom It May Concern : I am writing to formally dispute and demand deletion of the account identified on my Equifax credit report as XXXX XXXX ( the Account ). This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), Regulation F ( 12 C.F.R. Part 1006 ), and applicable Florida law.

Account Is In Dispute and Not Verifiable I previously disputed this Account and demanded lawful validation from the furnisher. To date, no documentation has been produced that would satisfy the legal requirements for verification of a consumer debt. Specifically, there has been no production of : A contract or application bearing my signature or other competent evidence of my assent A complete itemization of the amount allegedly owed Proof of ownership or assignment establishing XXXX XXXX legal standing A documented, unbroken chain of title from the original creditor Absent this documentation, the Account is not legally verifiable. 

Credit Reporting Is a Collection Activity The Consumer Financial Protection Bureau has made clear that furnishing information to a consumer reporting agency in connection with a debt is a collection activity under Regulation F. Once a debt is disputed, a debt collector must cease collection activity, including credit reporting, until proper validation is provided. 
Because this Account was disputed and validation was requestedbut never lawfully providedcontinued reporting of this Account constitutes unlawful collection activity.

Equifaxs Duties Under the FCRA Under 15 U.S.C. 1681i, Equifax is required to conduct a reasonable reinvestigation of disputed information. Under 15 U.S.C. 1681e ( b ), Equifax may only report information that is accurate and verifiable.

Further, under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, any information that can not be verified must be deleted. Without a signed agreement and authenticated records, this Account can not be verified as required by law. 
Continued reporting of this Account therefore constitutes the reporting of information that is inaccurate, misleading, and legally unenforceable. 

Identity Theft Notice I am also asserting that this Account is the result of identity theft and am submitting an Identity Theft Report pursuant to 15 U.S.C. 1681a ( q ) and 1681c-2. Upon receipt of a valid Identity Theft Report, Equifax is required to block and remove the fraudulent information within four ( 4 ) business days unless it can establish that the information is not the result of identity theft.

UCC 9-210 Lack of Enforceable Obligation I have invoked my rights under UCC 9-210 , as adopted in Florida. A party claiming a right to collect or report a debt must be able to produce authenticated records establishing the underlying obligation. Without a contract bearing my signature or other legally sufficient proof of assent, no enforceable obligation exists. 
Because XXXX XXXX has failed to produce such proof, this Account is not legally valid, not enforceable, and not verifiable. 

Demand for Deletion Accordingly, I demand that Equifax : Delete the XXXX XXXX account immediately from my credit file Provide written confirmation of deletion Cease any further reporting of this unverifiable account Failure to comply with these lawful demands may result in complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the Florida Attorney General, and may subject Equifax to civil liability under 15 U.S.C. 1681n and 1681o. The account must be removed from my credit report until the collection agency can validate the debt which isn't mine. 
This letter is sent without waiver of any rights or remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation