Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
Subject : Final Demand for Immediate Removal of Fraudulent Account and Compliance with the Fair Credit Reporting Act Dear Equifax Dispute Department, I am writing to formally demand the immediate removal of the fraudulent collection account erroneously placed on my credit report by Equifax. The account in question is : Creditor Name : XXXX XXXX, XXXX. 

Original Creditor : XXXX XXXX XXXX XXXX : {$18000.00} Date Opened : XX/XX/year> Account Status : Open ( Incorrectly Reported ) I have never had any association with XXXX XXXX XXXX, nor have I ever opened any account with XXXX XXXX, XXXX. Upon contacting XXXX XXXX XXXX, their management confirmed that my personal information does not match any of their tenants, and that multiple individuals named " XXXX XXXX '' have resided in their complex. Additionally, when I spoke to XXXX XXXX directly, they confirmed that my personal information is not in their database, proving that Equifax has inserted this collection account in error. 

I have already provided Equifax with the following supporting documentation : A copy of my government-issued ID My Social Security card A recent utility bill confirming my residence Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ). Reporting an account that does not belong to me constitutes negligent and willful noncompliance with the FCRA, exposing Equifax to legal liability. 

Furthermore, per 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable investigation when a dispute is submitted. Equifax has failed to meet this obligation, as the evidence I provided clearly proves that the collection account does not belong to me, yet it remains on my report.

Additionally, under 15 U.S.C. 1681c-2 ( a ), once a consumer submits an identity theft report, the credit bureau must block the fraudulent information. I have supplied sufficient documentation, yet Equifax continues to recklessly endanger my financial standing by allowing this fraudulent account to remain.

Demand for Immediate Action Equifax is hereby demanded to : 1. Immediately and permanently remove the fraudulent XXXX XXXX XXXX XXXX collection account from my credit report. 

2. Provide written confirmation within 5 business days that the account has been deleted.

3. Cease and desist from further reporting of this erroneous account.

Failure to comply will result in legal action against Equifax, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for FCRA violations. 

Pursuing a lawsuit for damages, including statutory, punitive, and actual damages under 15 U.S.C. 1681n and 1681o.

This letter serves as your final notice before I escalate this matter to federal authorities and legal channels. If Equifax does not remove the fraudulent account within five ( 5 ) business days, I will proceed accordingly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation