Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
XXXXNotice of Fraudulent Reporting & Demand for Immediate DeletionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXRE: FRAUDULENT REPORTING  IMMEDIATE REMOVAL REQUIREDXXXXThis is my formal notice of dispute and demand for deletion under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  XXXX, and the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  XXXXXXXXI have been fraudulently reported as owing alleged accounts by:XXXX XXXX XXXXXXXX XXXXBoth entries are false, unverified, and unlawful.XXXX XXXX XXXX XXXX I sent a certified Debt Validation Request (USPS Certified #XXXX XXXX XXXX XXXX XXXX) to XXXX XXXX XXXX. They failed to provide validation within the statutory timeframe and are in default.XXXXOn XXXX XXXX XXXX, I sent a certified Debt Dispute Notice (USPS Certified #XXXX XXXX XXXX XXXX XXXX XXXX) to XXXX XXXX. They too have failed to provide verification.XXXXUnder the FDCPA, a debt collector may not continue collection activity  including credit reporting  without validation.XXXXYour continued reporting of these unverified debts and other false information violates:XXXXFCRA, 15 U.S.C. 1681e(b): Duty to ensure maximum possible accuracy.XXXXFCRA, 15 U.S.C. 1681i(a): Duty to reinvestigate disputed information.XXXXFCRA, 15 U.S.C. 1681s-2(a)(1)(A): Furnishers may not report information they know or should know is inaccurateXXXXFCRA, 15 U.S.C. 1681c-2(a): Consumer right to block information resulting from fraud.XXXXFDCPA, 15 U.S.C. 1692g(b): Prohibition on continued collection activity absent verificationXXXXFDCPA, 15 U.S.C. 1692e(8): Prohibition on communicating credit information known or should be known to be false.XXXXDEMAND FOR IMMEDIATE ACTION (Within 3 Business Days)XXXXYou are hereby ordered to immediately remove and permanently delete the following from my credit filesXXXX1. All soft inquiries. And Hard Inquiry: XXXX XXXX, is showing twice, remove oneXXXX2. All addresses not related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my only correct address.XXXX3. All alias names that are not XXXX XXXX XXXX XXXX This is my only lawful name  remove all other variations.XXXX4. All former and present employers, including but not limited to:XXXX XXXX XXXX5. Fraudulent accounts, including but not limited to:XXXX XXXX XXXX XXXXNOTICE OF LIABILITYXXXXIf you fail to comply within three (3) business days of receipt of this notice, you will be in willful violation of FCRA and FDCPA, and I will:XXXXFile complaints with the, the Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXPursue civil litigation under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA, and under 15 U.S.C. 1692k for FDCPA violationsXXXXThis is your final warning. You are now on record and liable for damages should you fail to comply.\XXXXI am,XXXXXXXX XXXX XXXXWithout Prejudice  All Rights ReservedXXXXEnclosures:XXXXCertified Mail Receipt (XXXX XXXX XXXX XXXX)XXXXCertified Mail Receipt (XXXX XXXX XXXX XXXX)XXXXCopy of Debt Validation Request (XXXX)XXXXCopy of Debt Dispute Notice (XXXX)XXXXAffidavit of Default Judgment for Nonverification'

Company response to consumer: Closed with non-monetary relief