Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal and urgent complaint against the credit reporting agencies and the furnishers of information listed below. For months, I have endured severe emotional, financial, and personal distress due to the continued reporting of inaccurate, incomplete, and unverifiable information on my credit reports. These accounts are not mine, are reported with material errors, or have been previously disputed and remain unresolved despite multiple disputes, debt validation requests, and direct communications with the furnishers and the credit bureaus. 

As a direct result of these unlawful actions, I have been denied credit, forced to pay higher interest rates, and faced humiliation and embarrassment in my personal and professional life. My ability to secure stable housing and provide for my family has been jeopardized. This situation has caused sleepless nights, anxiety, and XXXX, as I have had to explain false derogatory information to landlords, lenders, and employers. 
The following laws and regulations have been violated repeatedly and egregiously : FCRA 602 Congressional findings and purpose : Failure to ensure maximum possible accuracy of credit reports.

FCRA 605 Reporting of obsolete information : Reporting accounts beyond the allowable reporting period.

FCRA 605B Blocking information resulting from identity theft : Failure to block disputed accounts after receipt of appropriate notice. 
FCRA 611 Procedure in case of disputed accuracy : Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on reporting information with actual knowledge of errors.

FCRA 623 ( a ) ( 2 ) Duty to correct and update information after notice of dispute.

FCRA 623 ( a ) ( 3 ) Duty to provide notice of dispute to consumer reporting agencies.

FCRA 623 ( b ) Duties of furnishers after receiving notice of dispute from a CRA.

FDCPA 807 False or misleading representations regarding the character, amount, or legal status of a debt.

FDCPA 809 Failure to provide debt validation and continued collection activity during dispute.

Fair Business Practices Act Engaging in unfair and deceptive acts or practices. 
Gramm-Leach-Bliley Act Failure to safeguard my private financial information. 

The following accounts are disputed, inaccurate, and must be permanently deleted within 15 days. I will be adding the account names, account numbers, and amounts here before submission to the 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. Amount : {$0.00} I hereby demand that the CFPB enforce my rights under the above-referenced laws and compel the credit reporting agencies and furnishers to permanently delete the inaccurate, unverifiable, and obsolete information from my credit reports with Equifax, XXXX, and XXXX  within 15 days of receipt of this complaint. 

Failure to comply will result in my immediate initiation of legal proceedings in federal court against all parties involved for statutory damages, actual damages, court costs, and attorney 's fees to the fullest extent allowed under the law. 
Respectfully submitted, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief