Consumer complaint received 2025-12-02 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:
Here are XXXX customized dispute letters prepared for you ( XXXX XXXX ) based on the credit reports provided. 

These letters cite 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information within XXXX  days. 

Instructions : Verify the Address : I have used the address found on each specific bureau 's report to ensure your identity matches their current records. If you have moved and all three bureaus should have a new address, update the header on all letters to your current address and include a copy of your driver 's license with the new address. 

Attach Proof : You must attach a copy of your Driver 's License and a recent Utility Bill ( or bank statement ) to each letter to prove your identity. 

Mail Certified : Send these via Certified Mail with Return Receipt Requested so you have legal proof of delivery. 


Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Information - 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of the items listed below. The information reporting is inaccurate, incomplete, or unverifiable. 

I dispute the following items : XXXX. XXXX XXXX ( Account # : XXXX ) Reason : This account is closed, yet you are reporting multiple late payments ( XXXX, XXXX, and XXXX  days late ) in XXXX. I dispute the accuracy of this payment history. Please verify the exact dates of these alleged delinquencies with the original creditor. If they can not be verified with physical records, please remove the late marks. 

XXXX. XXXX XXXX XXXX  XXXX ( Account # : XXXX ) Reason : You are reporting this account as a " Charge-off '' with a past due balance of {$1800.00}. I demand validation of this balance and the charge-off status. If this account is sold or closed, the balance should be XXXX. 

XXXX. XXXX XXXX XXXX  ( Account # : XXXX ) Reason : This account is listed as a Charge-off. I request you verify the date of the first delinquency and the accounting of the alleged {$550.00} balance. 

XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX ) Reason : This is a collection account for {$4200.00}. I request validation that this debt belongs to me and that the collector has the legal right to collect. If this can not be verified, it must be deleted. 

XXXX. XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX Reason : I dispute this collection account for {$480.00}. Please provide the original contract or instrument bearing my signature. 

Please complete your investigation within XXXX  days and provide me with an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX : [ Insert SSN ] DOB : XXXX

Company response to consumer: Closed with non-monetary relief