Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Notice of Intent to Sue for Willful and Negligent Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. {$1000.00} Per Incorrect or Fraudulent Account To Whom It May Concern : I am writing to provide formal Notice of Intent to Sue for your repeated willful and/or negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related statutes.

Despite multiple good faith efforts on my part to resolve inaccuracies and fraudulent accounts reported on my consumer credit report, Experian, and Equifax have failed to comply with its clear legal obligations under federal law.

Applicable Law and Statutes : 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) Requires a credit bureau to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item on their file. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that inaccurate, incomplete, or unverifiable information must be deleted or corrected from the file of the consumer, usually within 30 days of receiving notice of the dispute.

15 U.S.C. 1681c-2 States that fraudulent accounts resulting from identity theft must be blocked from appearing on a credit report within 4 business days after proper notification.

15 U.S.C. 1681e ( b ) Requires that credit bureaus follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Your Failures : Despite my proper and timely written disputes and the submission of supporting documentation, you have : Failed to conduct a reasonable reinvestigation ; Continued to report accounts that are inaccurate, fraudulent, incomplete, or unverifiable ; Ignored your statutory duty to block fraudulent accounts; Failed to remove incorrect accounts within the timeframe required by federal law. 

Damages : Under 15 U.S.C. 1681n, I am entitled to seek statutory damages of up to {$1000.00} per willful violation per account. Each incorrect or fraudulent account that remains on my report after my dispute is a separate violation of the FCRA. In addition, I will seek : Actual damages ; Punitive damages ; Attorneys fees and court costs under 15 U.S.C. 1681n and 1681o. 

XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit bureaus must do more than rely on data from furnishers ; they must independently verify disputed items. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reaffirmed violations of XXXX ( b ) give rise to claims. 
XXXX v. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A single inaccurate report may entitle the consumer to damages. 

Summary of Violations : As of the date of this letter, you continue to report the following incorrect and/or fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Correct these violations and confirm in writing that all inaccurate and fraudulent accounts have been removed from my credit file. If you fail to do so, I will immediately initiate legal action, seeking full statutory, actual, and punitive damages, as well as attorneys fees and court costs. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief