Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting on my credit file that I owe a debt I have no knowledge of. Debt was caused by fraudulent activity. I am writing to formally dispute fraudulent accounts that have been reported under my name, in direct violation of several U.S. Code Laws, and to request immediate action to address these issues. Violation of Consumer Right to Privacy : Under 15 U.S. Code 1681a ( 4 ), I have the right to control what information is shared about me. The reporting of these fraudulent accounts constitutes an infringement of my privacy rights, as I did not authorize any of the inquiries or accounts listed on my credit report. This is a direct violation of my consumer rights to privacy and confidentiality. Inaccurate Reporting and Identity Theft : The reporting of these inaccurate accounts violates 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which prohibit the reporting of inaccurate or misleading information. These accounts are likely a result of identity theft, and I am entitled to request their immediate removal under 15 U.S. Code 1681c-2. Furthermore, 15 U.S. Code 1681n holds parties liable for willfully accepting inaccurate credit information without verification, and I expect such violations to be addressed with urgency. Failure to Disclose Rights and Consent : You have failed to disclose my rights to opt-out of sharing this information, as required by 15 U.S. Code 6802 ( b ). This lack of transparency has further violated my consumer rights, leaving me vulnerable to identity theft and harassment. Debt Collection Violations : The reporting of these alleged debts, particularly the use of misleading practices and false reporting, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807. You have also violated 15 U.S. Code 1692f, which prohibits unfair or deceptive practices in debt collection. Inconsistent Reporting : Your inaccurate reporting of " late payments '' without providing clear definitions of such terms violates 15 U.S. Code 1605 and the Truth in Lending Act ( TILA ), which require accurate reporting of finance charges. These reporting practices harm my credit and reputation and must be addressed. Violation of Identity Theft Protections : As per 15 U.S. Code 1681b, I did not authorize any reporting of these inquiries or accounts. Additionally, under FCRA 605B, you are required to block any information that results from identity theft. These false accounts must be removed from my credit report immediately. Request for Immediate Action : I request that all fraudulent accounts be removed from my credit report within 4 business days, as required by law. Additionally, I demand the following : Verification of the original agreements for any alleged accounts. Validation of all debts in accordance with Generally Accepted Accounting Principles ( GAAP ). Block or remove all fraudulent accounts from my credit report. Failure to comply with these requests within the specified timeframe will lead to further legal action, including pursuit of monetary damages, and I will hold you accountable for any fees resulting from your unlawful activities. Please provide me with the requested documentation and evidence within the statutory timeframes, as outlined by federal law. The following accounts are as stated as fraudulent accounts. Please remove the accounts immediately XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation