Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXX / Account Ending in XXXX Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and validity of a collection account currently being reported on my credit file by XXXX XXXX XXXX XXXX XXXX related to Center Apartments ( Account ending in XXXX ), which was reported on XX/XX/XXXX, with an original balance of {$1200.00}. 

I must stress that I have no knowledge of this debt, never authorized, nor conducted any business with this company. Additionally, I previously submitted a formal dispute and a copy of an FTC Identity Theft Report, requesting this account be permanently removed from my credit profile. This account remains inaccurately listed as unpaid and active. 

The following factual and legal basis supports my demand for removal : 1. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2, furnishers of information must ensure maximum possible accuracy of the data they report. The continued reporting of this disputed, unauthorized debt is a breach of this obligation. 


2. FTC Identity Theft Report Submitted I provided documentation that this account may be the result of identity theft or erroneous reporting. Under FCRA 605B, once an identity theft report has been submitted, the CRA must block the fraudulent information from my credit report within four business days. 


3. Lack of Permissible Purpose Under 15 U.S.C. 1681b, no third party may access or report consumer credit without a permissible purpose. Since I never entered into any agreement with this company, they are not authorized to report this account. 


4. Case Law Supporting Consumer Rights : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that CRAs must go beyond a superficial inquiry when a consumer disputes an account. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to conduct a reasonable investigation in response to a consumer dispute may constitute a willful violation of the FCRA. 




This collection is inaccurate, unverifiable, and potentially fraudulent. I am requesting its immediate and permanent deletion from my credit report. 

Please conduct a reinvestigation pursuant to the FCRA and provide written confirmation of the results within 30 days. If the item is not removed, I will consider taking legal action and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Florida Attorney Generals Office. 

Attached : Copy of my FTC Identity Theft Report ( previously submitted ) Copy of this disputed collection item Copy of my government-issued ID and utility bill ( for identity verification, if required ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief