Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
# # Formal Notice of Continued Non-Compliance and Final Demand for Deletion and Permanent Block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX * * RE : FINAL REBUTTAL TO EQUIFAX " VERIFICATION '' Complaint Number : XXXX * * * * Alleged Creditor : XXXX XXXX XXXX XXXX XXXX XXXX To the Consumer Financial Protection Bureau XXXX XXXX am filing this formal rebuttal to the Equifax response XXXX XX/XX/year>, which claimed to have " verified '' the collection item for XXXX XXXX XXXX XXXX XXXX This response is a blatant dismissal of the material facts previously provided and a willful violation of the Fair Credit Reporting Act ( FCRA ). # # # Refusal of Generic Verification * * I will not accept a generic response stating that the alleged account was " verified and accurate '' * *. Such automated " rubber-stamping '' is legally insufficient when a competing national credit bureau XXXX TransUnion, determined on XX/XX/year>, after multiple disputes, that this exact account is * * fraudulent * *. It is a legal and logical impossibility for an account to be confirmed fraud at one bureau while being " verified '' as accurate at another. # # # History of Non-Compliance * * I have disputed this alleged account several times with Equifax , and they have consistently failed to provide the requested documents. * * Equifax continues to hide behind the word " verified '' while failing to produce a payment history, original ledger, or proof of a legal chain of title. Their refusal to provide the evidence required to substantiate this debt proves that no meaningful re-investigation was ever conducted. # # # Demand for Specific Documentation and Permanent Block I demand that * * XXXXXXXX XXXX XXXX XXXXXXXX * * provide the following original documentation to support Equifax 's claim of verification : * * * The Complete Account Ledger : * * A full and complete payment history from the original creditor, spanning from the last payment to the first delinquent payment through to the charge-off. * * * Proof of Legal Ownership : * * The unbroken Chain of Title, the original purchase agreement, and 1099 documentation showing the company is the legal owner and has the authority to collect on this alleged account. * * * Itemized Breakdown : * * A detailed, itemized breakdown explaining the records behind the alleged balance and establishing the " Date of Last Payment, '' which is currently a critical field Equifax can not verify. * * * Method of Verification ( MOV ) : * * As required by * * 15 U.S.C. 1681i ( a ) ( 6 ) * *, the identity of the person who verified this account, including their department, and the exact time and date of verification. Furthermore, I demand an * * immediate and permanent block * * on this alleged account to ensure there is * * no continued reporting * * of this fraudulent data on my credit report now or in the future. # # # Final Notice and Intent to Seek Legal Assistance Equifax continues to maintain * * retaliatory barriers * * by blocking my access to the online portal, which prevents me from viewing my report or filing further disputes through their system. This is a systemic barrier to my due process. * * If all requested documentation is not provided and this fraudulent account is not permanently deleted and blocked within 5 days, I will have no choice but to seek formal legal assistance to protect my rights under the FCRA. * * I demand the * * immediate and permanent total deletion * * of the XXXX XXXX XXXX XXXX entry from my credit file. Please mail a physical copy of my updated and corrected credit report as soon as this matter is resolved. Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX

Company response to consumer: Closed with explanation