Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
XX/XX/year> To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Collection Account ( XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, This letter serves as my formal dispute and demand for immediate deletion of a fraudulent collection account that has been wrongfully placed on my Equifax credit report. I have never conducted any business with this company, nor have I ever authorized any account, transaction, or agreement with them. The account in question is listed as follows : Creditor/Collection Agency : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$110.00} Status : Fraudulent Collection Account I hereby assert that this collection account is the result of identity theft or inaccurate reporting, and therefore must be permanently deleted from my Equifax credit file. This account is unverified, unauthorized, and inaccurate, which constitutes a direct violation of federal consumer protection laws.

Legal Violations and Grounds for Deletion Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), Equifax and XXXX XXXX XXXX XXXX XXXX are legally obligated to ensure that all information reported about me is accurate, verifiable, and obtained with my explicit consent.

FCRA 1681e ( b ) Equifax must follow reasonable procedures to assure maximum possible accuracy of consumer information. Reporting a debt not belonging to me violates this standard. 
FCRA 1681i ( a ) Upon receiving notice of a dispute, Equifax must conduct a reasonable reinvestigation and delete any unverifiable or inaccurate information within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Mandates that consumer reporting agencies block and permanently delete any information that results from identity theft once sufficient proof is provided ( including FTC ID Theft Affidavit or Police Report ).

FCRA 616617 ( 15 U.S.C. 1681no ) Imposes civil liability for willful or negligent noncompliance, including punitive damages for continuing to report false or fraudulent information.

FACTA 312 ( 15 U.S.C. 1681s-2 ) Requires the prompt correction and blocking of inaccurate or fraudulent information furnished to credit reporting agencies.

FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Prohibits debt collectors from communicating or reporting information that is known or should be known to be false.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Requires that debt collectors cease collection and verify the debt before continuing to report it.

Demands for Immediate Resolution Immediately and permanently delete the XXXX XXXX XXXX XXXX XXXX XXXX account from my Equifax credit file.

Block this information from reinsertion per FCRA 1681i ( a ) ( 5 ) ( B ) without complete verification and my written consent.

Provide written confirmation of deletion within 30 days of receiving this notice.

Provide documentation verifying permissible purpose or authorization for XXXX XXXX XXXX XXXX XXXX to obtain or report my information. 
Failure to comply with these federal mandates will constitute willful noncompliance and result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, along with pursuit of civil remedies under FCRA 616617 and FDCPA 813.

Additionally, my personal information has been compromised in multiple confirmed breaches including the Equifax Data Breach, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which makes the presence of this fraudulent collection even more concerning. 
Given the current federal government shutdown, I am demanding expeditious handling of this matter as delays could further harm my credit and financial standing.

Please consider this a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) and a demand for deletion under FCRA 605B. I am providing copies of my identification documents, FTC ID Theft Affidavit, and supporting evidence for your immediate verification. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief