Consumer complaint received 2025-05-21 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: KS

Complaint narrative:
: Note- THIS IS NOT A DUPLICATE COMPLAINT. New information is being submitted that the credit bureau has requested. Please submit! 

XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attn : Equifax Dispute Center Fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for All Information and Documentation Provided to Equifax Regarding Fraudulent XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I hereby request all information and documentation Equifax has received from XXXX or any third-party furnishers regarding Account # XXXX, which has been fraudulently reported under my name. 

I did not open, authorize, or acknowledge this account. It has been fraudulently attributed to me and transferred without my consent to third parties including XXXX XXXX XXXX and XXXX XXXX XXXX with whom I have no business relationship. 

I have attached copies of my government-issued ID, Social Security card , and supporting documents confirming this account is fraudulent. During a recent phone call, Supervisor XXXX XXXX XXXX XXXX XXXX XXXX at Equifax acknowledged the validity of my concerns and explicitly recommended that I pursue legal action due to Equifaxs unwillingness to act in the interest of the consumer. 



Legal Grounds for Your Immediate Action 1. FCRA 1681g : I have the right to obtain all information in my file, including its sources.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or reasonably should know is inaccurate.

3. FCRA 1681i : Equifax is required to conduct a reasonable reinvestigation when a consumer disputes an item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : A credit bureau violates the FCRA by relying solely on the furnishers data without reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that XXXX XXXX  and Equifax violated the FCRA by continuing to report disputed information without verifying accuracy. 



Additional Legal Authority Prohibiting Creditor Collection After Transfer XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) : It is illegal for a creditor or any party to falsely represent the legal status of a debt or use deceptive means to collect a debt. Once a creditor has sold or transferred the debt, it no longer has legal standing to collect.

7. FCRA 1681s-2 ( b ) : Furnishers must cease reporting and correct or delete disputed information they can not verify. Continuing to report or collect on a debt after losing ownership constitutes a willful violation of the FCRA. 



Factual Basis for Dispute No signed agreement exists that links me to this debt. 
XXXX has failed to validate or verify this account. 
My personal identifying information has been illegally transferred, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) and my federal privacy rights. 
The debt has been passed to third parties who also lack legal documentation tying me to the obligation. 



Demand for Immediate Action 1. Provide all records and documentation Equifax has received concerning XXXX Account # XXXX. 
XXXX. Permanently delete and block all reporting related to this fraudulent account. 
XXXX. Cease all further processing, reporting, or transfer of my personal information in relation to this item. 
XXXX. Confirm full compliance with this request in writing within XXXX ( XXXX ) calendar days of receipt. 



Failure to act will result in immediate escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and legal action for statutory, actual, and punitive damages. I reserve all rights and remedies under the FCRA, FDCPA, and state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation