Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the inclusion and reporting of XXXX collection accounts currently appearing on my credit report. This correspondence serves as my first written notification of these inaccuracies under my rights granted by the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. I request immediate investigation and correction of the following disputed accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2024, with an alleged balance of {$1100.00}. 
This account is reported as a collection, yet I have never conducted any financial transaction or agreement with XXXX XXXX or XXXX XXXX. Furthermore, I have received no prior communication, billing, or validation notice concerning this debt, which directly violates 15 U.S.C. 1692g ( a ) of the FDCPA. I assert that this account is the result of a reporting error or identity misattribution and should not appear on my consumer report. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account Number : XXXX. 
This item appears as a collection tied to a creditor I have no knowledge of, nor any documented interaction with. Its presence on my credit file is unsubstantiated, and I have not been afforded an opportunity to validate or challenge this claim prior to its reporting, which again violates the procedural safeguards outlined in both the FDCPA and FCRA. It is a misrepresentation and must be removed pending lawful verification. 
Both accounts are reported alongside address entries that are factually inaccurate. My current and only valid address has never been XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. The appearance of these unrelated addresses raises serious concerns about potential file contamination or identity confusion under 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the utmost accuracy in personal data. 
Under 15 U.S.C. 1681i, I formally request a reinvestigation of these items. As this is a direct challenge to the accuracy and legitimacy of the reported information, I expect a timely and thorough inquiry, including validation from the data furnishers under 15 U.S.C. 1681s-2. 
Additionally, any information that can not be verified must be promptly deleted as required by federal law. 
The continued presence of these accounts, absent lawful basis, is causing measurable harm. I have experienced emotional distress and have been denied favorable credit terms due to inaccurate reporting, which may entitle me to seek legal redress under 15 U.S.C. 1681o for actual damages and under 15 U.S.C. 1681n for willful noncompliance. 
I do not accept generic stall responses or boilerplate language that fails to address the substance of my dispute. My correspondence is based on lawful entitlements, and I expect a response within the framework of the FCRAs procedural timeline. 
If these accounts are not corrected or removed within XXXX ( XXXX ) calendar days of receipt of this letter, I will escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office, pursuant to my rights under 15 U.S.C. 1681 and XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation