Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Experian Experian, XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Formal Dispute of Inaccurate Charge-offs, Debt Collection, Delinquent Accounts, and Late Payments Under FCRA & FDCPA To Whom It May Concern, I am disputing the accuracy and validity of the charge-offs, debt collection accounts, delinquent accounts, and late payments currently reported on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable reinvestigation and verify disputed accounts with original documentation, including my original, live signature. Collection agencies and other third parties involved typically do not have these original, verified documents because my information has been transferred multiple times. As such, these accounts can not be verified and are inaccurate.

Furthermore, under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act - FDCPA ), I have the right to dispute and demand accurate validation of any debt reported by collection agencies. Failure to provide this validation constitutes a violation of my rights.

In addition, 15 U.S.C. 1681c prohibits the reporting of inaccurate or outdated information, and 15 U.S.C. 1666 ( b ) demands correction of any inaccurate billing or amounts associated with these accounts.

Given these violations, I hereby demand the immediate removal of all inaccurate, unverifiable, and damaging charge-offs, collection accounts, delinquent accounts, and late payments from my credit report.

Please complete your reinvestigation within 30 days as required by law, and provide written confirmation of your findings.

Failure to comply will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 major credit reporting agencies experian equifax and trans union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fradulent, Inaccurate, and false Information consists or a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries as shown below 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 XXXXXX/XX/XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief