Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
XXXX Equifax Dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX VIA XXXX  MAIL & EMAIL To : Equifax Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CEASE AND DESIST FRAUDULENT ACCOUNTS, COLLECTIONS & INQUIRIES Re : Dispute of Fraudulent Accounts, Collections, and Notice of Legal Liability Dear Equifax Supervisor, I, XXXX XXXX XXXX, dispute the fraudulent accounts, collections, and inquiries listed below. These tradelines were not authorized by me. Several collection companies fraudulently obtained my personal information and are acting as third-party collectors without lawful standing.

Equifaxs continued reporting of these items constitutes negligence and violations of the Fair Credit Reporting Act ( FCRA ). Courts have specifically held Equifax liable for failing to maintain accuracy and reinserting false data. 



XXXX. Fraudulent Accounts XXXX. XXXX XXXX XXXX SD Acct. ending XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$170.00} XXXX. XXXX XXXX, XXXX Acct. ending XXXX Date Opened : XX/XX/XXXX High Balance : {$750.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Acct. ending XXXX Date Opened : XX/XX/XXXX High Balance : {$720.00} XXXX. XXXX XXXX XXXX Acct. ending XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$650.00} XXXX. Fraudulent Collections XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX Amount : {$240.00} XXXX. XXXX XXXX Services Original Creditor : XXXX XXXX XXXX Amount : {$350.00} XXXX. Fraudulent Inquiries XXXX. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. Equifax Case Law Negligence and Liability Federal courts have found Equifax negligent and liable for failing to prevent false reporting, reinsertion, and inaccurate procedures : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Equifax held liable for negligent reinvestigation and allowing false information to remain. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms XXXX liability when inaccurate information causes consumer harm. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX 257 F.3d 409 ( 4th Cir. XXXX ) CRAs must use reasonable procedures to ensure maximum possible accuracy ; failure constitutes negligence. 
XXXX XXXX XXXX  XXXX, 101 F.3d 957 ( 3d Cir. XXXX ) Equifax and other CRAs are liable if they fail to properly investigate disputed debts. 
In re Veal, 450 B.R. 897 ( B.A.P. 9th Cir. XXXX ) creditors must prove debt ownership before enforcement ; reporting without chain of custody is unlawful. 
XXXX XXXX XXXX, 865 F. Supp. 2d 633 ( N.D. Tex. XXXX ) failure to prove valid assignment undermines standing to report or collect. 



XXXX. Legal Grounds for Removal Unauthorized Accounts : I have not applied for, signed, or entered into agreements for these accounts. 
FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information.

Reinsertion Restrictions : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted information can not be reinserted without proper certification and consumer notification. 
Fraud Block Requirement : Under 15 U.S.C. 1681c-2, once identity theft is reported and verified, fraudulent data must be blocked. 
Reasonable Procedures Obligation : Under 15 U.S.C. 1681e ( b ), CRAs must ensure maximum possible accuracy. 
Consumer Definition : Under 15 U.S.C. 1681a ( 2 ) ( xi ), I am a consumer entitled to all FCRA protections.

Debt Collection Communications : Under 15 U.S.C. 1692c and 1692g, I restrict unlawful communications and demand debt validation.

Proof of Ownership & Chain of Custody : Case law ( In re Veal, XXXX, XXXX ) requires proof of ownership and assignment before reporting or collection. 
UCC Article 3 Holder in Due Course : U.C.C. 3-301 & 3-203 ( b ) require creditors to prove entitlement before enforcement or reporting. 
Right of Rescission : Under 15 U.S.C. 1635, I reserve the right to rescind any transaction fraudulently created in my name. 



XXXX. Demands for Immediate Action I demand that Equifax : XXXX. Cease and Desist from reporting, reinserting, or distributing fraudulent accounts, collections, or inquiries. 
XXXX. Permanently delete and block the disputed data. 
XXXX. Correct my consumer file and notify all third parties who accessed inaccurate data. 
XXXX. Provide written confirmation within XXXX ( XXXX ) calendar days of receipt of this notice. 



XXXX. Preservation of Evidence This letter serves as a Notice of Preservation of Evidence. Equifax and all furnishers must preserve all records, contracts, assignments, applications, and communications related to these disputed debts. Failure to preserve evidence will constitute spoliation and grounds for sanctions. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief