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: TX

Complaint narrative:
To Whom It May Concern, I am demanding the IMMEDIATE and permanent removal of the following fraudulent/unauthorized collection account from my consumer credit report, as reporting this information violates multiple consumer laws and my federally protected rights.

Account Details Company : XXXX, XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$12000.00} Date Opened : XX/XX/XXXX Current Balance Date : XX/XX/XXXX My Legal Arguments and DEMAND FOR IMMEDIATE REMOVAL 1. Violation of My Right to Privacy ( FCRA 15 USC 1681 ) : You are reporting, storing, and sharing my information without my explicit, signed consent. Under FCRA, you have a grave responsibility to protect my privacy, and you have no legal right to report any account without my express authorization.

2. No Consent = Identity Theft : This account is the direct result of identity theft or unauthorized reporting. Under federal law, if you do not have my signed, original contract or explicit written permission, you are reporting this account fraudulently. No consent = identity theft.

3. FCRA 15 USC 1681c-2 and Immediate Removal Requirement : Federal law requires that any account resulting from identity theft or lack of consent be immediately and permanently removed from all consumer files. This is not a request for a temporary blockI demand full, permanent, and immediate deletion.

4. FCRA 15 USC 1681iNo Automated, E-Oscar Verification : You are required to conduct a manual, independent investigation and NOT rely solely on information provided by the data furnisher or use automated dispute systems. If you can not provide a copy of a contract with my signature, you must delete this account at once.

5. Ongoing Willful Noncompliance and Harm : Continuing to report or reinsert this account after being notified of its unauthorized and fraudulent nature exposes you to statutory damages of {$1000.00} per violation ( FCRA 15 USC 1681n ), plus actual damages, emotional distress, and attorney fees.

6. Failure to Respect Consumer Law : You are undermining the efficiency and public confidence in the banking system by reporting unverifiable, unauthorized, and fraudulent information, in violation of your duties under the FCRA and FDCPA. 
I discovered a collection account from XXXX, XXXX reporting a {$12000.00} balance related to XXXX XXXX XXXX  on my credit report. I did not authorize this account, did not apply for it, and never gave any consent for this information to be shared, collected, or reported. Under the Fair Credit Reporting Act ( FCRA ), I have a federally protected right to privacy and companies can not report any account or data about me without my explicit permission. This is identity theft, as I never had any business with XXXX, XXXX or the original creditor. My privacy is being violated. I am demanding immediate and permanent removal of this account. FCRA requires credit bureaus and collectors to have my signed, verifiable consent, to conduct a true independent investigation, and to remove all unauthorized, unverifiable, or fraudulent accounts. I want this account deleted now. I am suffering ongoing harm from this false reporting.

Company response to consumer: Closed with explanation