Consumer complaint received 2025-09-28 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: MS

Complaint narrative:
XXXX Equifax XXXX XX/XX/XXXX EQUIFAX FRAUD DISPUTE & CEASE-AND-DESIST LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MS XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED & EMAIL To : Attn : Supervisor, Equifax Fraud Division XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts & Inquiries/ Cease-and-Desist / Identity Theft Notice / Preservation of Evidence Dear Equifax Supervisor, I XXXX XXXX XXXX XXXX, am writing to dispute the unauthorized, inaccurate, and fraudulent account information currently reported under my name. This letter serves as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all erroneous account data, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and related federal statutes. 

Once fraudulent accounts are deleted, they can not be reinserted unless certified proof is provided by the furnisher and written notice is issued to the consumer under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifax is in violation by continuing to allow reinserted or unverifiable information to appear.

1. Timeline of Prior Equifax Communications XX/XX/XXXX Supervisor XXXX ( ID : XXXX, outside XXXX ) confirmed fraudulent accounts and collections would be removed by Monday, XX/XX/XXXX. 
XX/XX/XXXX Supervisor XXXX  ( ID : XXXX ) confirmed that the back office improperly requested resubmission of documents due to illegibility of my CFPB report and ID, despite clear identification already on file. 
XXXX XXXX further admitted that Equifaxs back office was improperly delaying removal based on unnecessary technicalities despite clear documentation proving fraud. 



XXXX. Identity Theft Report & Notice of Dispute I filed an FTC Identity Theft Report pursuant to 15 U.S.C. 1681g ( e ) and formally disputed fraudulent data with Equifax. 

The following accounts, collections, and inquiries are fraudulent, unauthorized, and invalid : Fraudulent Accounts XXXX XXXX XXXX XXXX Acct : XXXX Balance : {$36000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX Balance : {$19000.00} Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX Balance : {$15000.00} Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX Balance : {$10000.00} | High Credit : {$15000.00} Opened : XX/XX/XXXX XXXX XXXX Acct : XXXX Balance : {$6600.00} | High Credit : {$6900.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct : XXXX Balance : {$2200.00} | High Credit : {$2200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX, XXXX Acct : XXXX Credit Amount : {$6300.00} Opened : XX/XX/XXXX FXXXX XXXX XXXX XXXX ( Collection agency ) Original Creditor : XXXX Reported : XX/XX/XXXX Amount : {$290.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Direct XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX XXXX Date : XX/XX/XXXX XXXX. Factual Grounds for Removal XXXX. No valid contract or signed agreement exists linking me to these accounts. 
2. No chain of custody, assignment documentation, or evidence exists binding me to any financial obligation.

4. Legal Violations & Case Law Support FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers and CRAs must not report information known to be inaccurate. 
Failure to Investigate : CRAs must conduct a reasonable investigation after a dispute ( 15 U.S.C. 1681i ( a ) ). Failure to do so is actionable.

Fraud Block : Under 15 U.S.C. 1681c-2, once identity theft is reported, Equifax must block fraudulent data from reappearing.

Reasonable Procedures Requirement : Under 15 U.S.C. 1681e ( b ), Equifax must follow procedures to ensure maximum possible accuracy.

Proof of Ownership & Chain of Assignment : Courts require creditors to show valid ownership of debt before collection or reporting. See : In re XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Equifax Liable : XXXX XXXX XXXX, XXXX XXXX Equifax Info. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) XXXX v. Equifax XXXX. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) XXXX v. Equifax XXXX. XXXX, XXXX. XXXX ( XXXX XXXX  XXXX ) XXXX  XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) 5. Demands for Immediate Compliance Equifax is hereby directed to : 1. Cease and desist from all reporting, collection, and communication related to the above accounts.

2. Refrain from sharing or transferring my personal information without my express written consent.

3. Permanently delete all fraudulent accounts, collections, and inquiries.

4. Notify all CRAs and furnishers of the permanent removal.

5. Provide written confirmation of compliance within five ( 5 ) calendar days.

6. Notice of Preservation of Evidence This letter serves as a formal Notice of Preservation of Evidence. Equifax, and all furnishers connected to the accounts listed above, must preserve all contracts, applications, communications, chain of title, and account documentation.

Failure to preserve evidence will be considered spoliation and grounds for sanctions, adverse inference, and damages.

7. Enclosures FTC Identity Theft Complaint Government-issued ID & SSN verification Prior dispute correspondence 8. Notice of Remedies If Equifax fails to comply, I will immediately : File complaints with the CFPB, FTC, Mississippi Attorney General, and Georgia Attorney General.

Initiate civil litigation seeking statutory, punitive, and compensatory damages under federal and state law. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation