Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX  paid off Balance {$65000.00} Balance updated XX/XX/year> debt isnt valid nor accurate Section 602 of the Fair Credit Reporting Act ( FCRA ) outlines the requirements for consumer reporting agencies ( CRAs ) regarding the use of consumer reports, including those obtained for employment purposes. It also deals with disclosures to consumers about their rights and the possibility of a report being obtained. Additionally, Section 602b, specifically addresses identity theft, requiring CRAs to block fraudulent information and promptly notify furnishers.

Key aspects of FCRA 602 and 602b : Section 602 - General Use and Disclosures : Permitted Uses : CRAs can share consumer report information with authorized parties, such as creditors, insurers, and those seeking to use the report for employment purposes.

Disclosure to Consumers : CRAs must provide consumers with information about their rights under FCRA and the possibility of a consumer report being obtained. 
Employment Purposes : When a report is obtained for employment purposes, the consumer must be informed in writing or orally, and consent must be obtained. 
Section 605B - Identity Theft : Blocking Fraudulent Information : If a consumer reports identity theft, CRAs must block fraudulent information on their credit report within XXXX business days. 
Furnisher Notification : CRAs must promptly notify the information furnisher ( XXXX ) about the blocked information. 
Reasonable Procedures : All furnishers must have procedures in place to respond to notifications from CRAs about identity theft and to prevent refurnishing the information in the future. 
Debt Restrictions : When a furnisher is notified about identity theft, they may not sell, transfer, or place for collection the debt, except in limited circumstances, according to Equifax XXXX XXXX. 
In essence, FCRA 602 ensures that consumer reports are used responsibly and that consumers are informed about their rights. Section 602b, specifically addresses identity theft, providing CRAs and furnishers with clear obligations to protect consumers from fraud and prevent the refurnishing of inaccurate information NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation