Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity Theft Dispute Letter * * Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX  To : * * Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXXCollection Agency * * Re : Identity Theft Dispute - Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMAL DISPUTE OF FRAUDULENT ACCOUNT Dear Sir/Madam, I am writing to formally dispute the following account appearing on my credit report as a result of identity theft : * * Account Details : XXXX XXXX XXXX XXXX XXXX  Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : * * Cell Phone - * * Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : * * {$800.00} - * * Status : * * Collection account, {$800.00} past due as of XX/XX/XXXXXXXX XXXX XXXX # IDENTITY THEFT CLAIM I am disputing this account in its entirety as * * IDENTITY THEFT * *. This account was fraudulently opened without my knowledge, permission, or authorization. I did not : - Apply for or authorize this XXXX XXXX account - Receive any services from this account - Receive any bills or communications regarding this account - Have any knowledge of this account 's existence until discovering it on my credit report # # LEGAL RIGHTS AND PROTECTIONS Under federal law, I am protected from fraudulent accounts and have the right to dispute them : # # # Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 - * * Section 611 ( 15 U.S.C. 1681i ) : * * Requires investigation of disputed information within 30 days - * * Section 605A ( 15 U.S.C. 1681c-1 ) : * * Identity theft victims have enhanced rights to block fraudulent information- * * Section 605B ( 15 U.S.C. 1681c-2 ) : * * Requires removal of information resulting from identity theft # # # Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 - Prohibits collection of debts not legitimately owed by the consumer - * * Section 809 : * * Requires validation of debt upon dispute # # # Identity Theft Red Flags Rule - 16 CFR Part 681 - Requires creditors to have procedures to detect identity theft # # DEMAND FOR ACTION Based on the above legal protections, I hereby demand that you : 1. * * IMMEDIATELY REMOVE * * this fraudulent account from my credit report 2. * * CEASE ALL COLLECTION ACTIVITIES * * related to this account 3. * * PROVIDE WRITTEN CONFIRMATION * * that this account has been removed and that no further reporting will occur 4. * * INVESTIGATE * * this matter as identity theft under FCRA Section 611 5. * * BLOCK * * this information under FCRA Section 605A as it results from identity theft # # DOCUMENTATION I am prepared to provide the following documentation if required : - Copy of government-issued photo identification - Proof of current address - Identity theft affidavit - Police report ( if filed ) # # NOTICE OF RIGHTS Please be advised that : - This letter serves as formal notice of identity theft under applicable federal and state laws- Any continued reporting of this fraudulent account may constitute willful non-compliance with the FCRA - I reserve all rights under federal and state law, including the right to seek damages for violations # # REQUEST FOR RESPONSE Please provide written confirmation within * * 30 days * * of receipt of this letter that : 1. This account has been removed from my credit report 2. All collection activities have ceased 3. This matter has been closed as identity theft I expect your full cooperation in resolving this matter promptly. Failure to properly investigate and remove this fraudulent information may result in legal action for violations of the FCRA and other applicable laws. XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation