Consumer complaint received 2024-12-15 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:
I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. XXXX. Disputed Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  The information associated with this account is inaccurate and unverifiable. I request that this account be removed from my credit report immediately. Collection Account Error Collection Account Number : XXXX XXXX Alleged Debt : {$550.00} The alleged debt does not list a valid creditor and is therefore unverifiable and fraudulent. This entry must be removed from my credit report. XXXX XXXX XXXX  Account Number : XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Alleged Debt : {$130.00} Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$3000.00} in damages. XXXX. Disputed Inquiries The following inquiries are also disputed for accuracy and must be removed in accordance with 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation