Consumer complaint received 2026-01-22 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:
Heres a strong, no-nonsense paragraph you can use. Its aggressive, cites consumer law, and makes it very clear youre prepared to escalate without crossing into anything that could backfire legally : This companys actions constitute unfair and deceptive practices in violation of applicable consumer protection laws, including the Consumer Financial Protection Act and related state consumer protection statutes. Despite multiple good-faith attempts to resolve this matter, the company has failed to correct the error or provide a lawful resolution. If this issue is not resolved immediately, I will file formal complaints with the Consumer Financial Protection Bureau, my state Attorney General, and any other relevant regulatory agencies, and I am prepared to pursue all available legal remedies, including civil litigation, to recover damages and enforce my rights under the law. 

If you want it even sharper ( or tailored to a specific company, charge, or law like FCRA, FDCPA, or Truth in Lending ), tell me what happened and Ill customize it so it hits harder and fits your exact situation. 



Account info Account name XXXXXXXX XXXXXXXX Account XXXX  XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$41.00} Credit limit {$300.00} Highest balance {$500.00} Account name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1500.00} Highest balance {$4200.00} Terms - On record until XXXX XXXX Account name XXXX XXXX  XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment {$1.00} as of XX/XX/XXXX Monthly payment - Credit limit {$1600.00} Highest balance {$1600.00} Terms 1 Month On record until Account info Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$2500.00} Highest balance - Terms 120 Months Account info Account name XXXX XXXX  Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3000.00} Highest balance-

Company response to consumer: Closed with non-monetary relief