Consumer complaint received 2025-06-23 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 am writing to formally demand that Equifax immediately delete multiple inaccurately and fraudulently reported accounts from my consumer credit file pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable CFPB regulations. 

Despite numerous disputes submitted by me personallyincluding certified mailings, written letters, online disputes, and formal complaints to regulatory bodiesEquifax has failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i, has failed to ensure maximum possible accuracy under 1681e ( b ), and has failed to disclose the method and source of verification as required under 1681g and 1681i ( a ) ( 7 ). 

Disputed Accounts Include but Are Not Limited To : XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX Mortgage XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX * * * * * * * * * * XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX These tradelines contain inaccurate, unverifiable, or misleading information, including but not limited to : Lack of debt validation and verification from the creditor or collector ; Metro 2 compliance violations such XXXX incorrect Account Status, Date of First Delinquency, and Compliance Condition Codes ; Use of incomplete or incorrect creditor names ( e.g., truncated XXXX XXXX XXXX ) ; Failure to update dispute codes or provide reinvestigation results despite multiple legal requests ; Duplicate entries from debt buyers in violation of 15 U.S.C. 1692e ( 8 ) by knowingly reporting false or misleading data. Legal Grounds for Deletion : You are legally obligated to delete any information which can not be verified under FCRA 611, an
d to cease the furnishing of inaccurate data under FDCPA 809 ( b ). These agencies have failed to provide : Original signed contracts or applications ; Full chain of title and assignment documentation ; Proof that the debt is collectible by the entity currently reporting ; Billing statements or communications bearing my personal signature.

I have never received any documentation from any party validating these debts. Furthermore, your responses falsely stating that I used an unauthorized third party are entirely untrue and defamatory. I have never retained a credit repair service, and all disputes have originated directly from me as a consumer exercising my federal rights. 

Regulatory and Legal Oversight : As of today, I have submitted the following : A formal FTC report ( Confirmation # XXXX ) ; Multiple complaints to the Consumer Financial Protection Bureau, including the following Complaint IDs : XXXX XXXX XXXX Written documentation mailed and submitted electronically to Equifax, including copies of identity XXXX, dispute letters, and legal exhibits. 

Additionally, I am aware of recent CFPB enforcement actions against Equifax for repeated FCRA violations and automated dispute mismanagement. Equifax has also been subject to litigation and class action settlements stemming from data breaches, for which I never received any breach notification.

Company response to consumer: Closed with explanation