Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer rights have been violated, and my claims to correct the errors have been named frivolous. Per FCRA Section 605B, which is codified at 15 U.S.C. 1681c-2, requires consumer reporting agencies ( CRAs ) to block the reporting of information in a consumer 's file identified as resulting from identity theft within 4 business days of receiving the necessary documentation, and to notify the furnisher of the information. I sent my information certified mail, and it was received by Equifax on XX/XX/XXXXXX/XX/XXXX Tracking # XXXX. Since then, improper investigations have been on going, no information was sent to me on how they came to this conclusion of validation of the debt or inquires and they are supposed to do their own investigation not just ask the finisher. If the alleged debt is mine. I and demand payment for all violations including names address etc., because it does not look good if I was to apply for credit late payment have been reporting but I did not receive notice 21days or earlier all my right have been violated and they send stall tactics like the need more information or I being frivolous if this was true and 100 percent fair and accurate how was the information investigated and proved to be accurate they have let collection agency report incorrect on my credit report we can correct this issue or go to arbitration or there was never a Model Form B-1 never any disclosures before reporting to my credit and there is no affiliation to any of the creditors to the CRA to report my information with out my written consent I have not received or applied for any lines of credit or got any goods or services. No break down of charges gives a right to collect on a debt they must give me all information that I asked for when they validated a debt which they could not XXXX XXXX XXXX XXXX XXXX Debt recovery used misleading tactics to try and collect on a debt but Equifax said it was verified accurate. XXXX even had an expired surety bond since XXXX. It is also inaccurate to use sister companies XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. The US Department of Treasury does not report to XXXX. Late payments are illegal my transaction is not supposed to be on your credit report payment history is a transaction and no disclosure was sent 21 days prior so how is that validated. Also bankruptcy are not reported and Pacer does not report the court did not report to CRA so I must ask who reported my information to the CRA without permissible purpose I did not give written consent I did not receive a offer of credit for product, goods, or service ect. So, some one committed aggravated identity theft which is a felony and I can only assume that they are affiliated with Equifax. Not only was my information stolen in Equifax data breech they are still not compiling which falls under willful non compliance if it is 1000 per violation we are looking at well over XXXX XXXX XX/XX/XXXXcan we come to a mutual agreement I have given more than 30 day and several laws have been broken and no correction or payment has been received and since you validated the debt your claim you need more personal information or ID is invalid I sent tracking number and your received my information and proceed to do you so call investigations.

Company response to consumer: Closed with non-monetary relief