Consumer complaint received 2026-03-12 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: MI

Complaint narrative:
SECOND WRITTEN REQUEST Failure to Properly Investigate Fraudulent Accounts To Whom It May Concern, Please be advised that this correspondence serves as my SECOND WRITTEN REQUEST regarding inaccurate and fraudulent information that continues to appear on my credit report. The unverified items listed below remain on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Under federal law, you are required to maintain a copy of the original creditors documentation used to verify that the reported information is accurate and belongs to me. In the results of your previous investigation, you stated in writing that these accounts were verified and are being reported correctly. However, you have failed to provide the required documentation supporting such verification. Therefore, I am formally requesting that you identify : Who verified these accounts, and what documentation was used to verify them? You have NOT provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature. Additionally, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE any information that can not be verified. Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has failed to provide proof of accuracy or ownership of these accounts. I have already provided supporting documentation, including a police report and identity theft affidavit confirming that I have been a victim of identity theft. Despite receiving this documentation, these fraudulent accounts continue to be reported. Your failure to properly investigate and remove these accounts places Equifax in violation of the Fair Credit Reporting Act. As a consumer reporting agency, you are responsible for ensuring that the information reported on my credit file is accurate and protected from fraudulent activity. These accounts are damaging to my creditworthiness, reputation, and ability to secure employment and financial opportunities while I continue to battle identity theft. Therefore, I am demanding that these accounts be removed immediately from my credit file. If this matter is not rectified promptly, I will pursue all available remedies under federal law, including seeking damages under 15 U.S.C. 1681n for willful noncompliance with the Fair Credit Reporting Act. The law is very clear regarding civil liability and remedies available to consumers for negligent or willful noncompliance under Section 617 of the FCRA. I am a litigious consumer and fully intend to pursue litigation if necessary to enforce my rights under the law. Please complete your investigation and provide written confirmation of deletion within the timeframe required by the FCRA.

Company response to consumer: Closed with explanation