Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Fraudulent Collection Account and Inquiries Equifax Reporting To Whom It May Concern, I am submitting this formal dispute concerning multiple fraudulent entries on my Equifax credit report, including a collection account reported by XXXX XXXX XXXX and several unauthorized credit inquiries that I did not initiate, authorize, or consent to. 

These entries are the direct result of identity theft, as documented in the enclosed FTC Identity Theft Report ( Report # XXXX ). Pursuant to 15 U.S.C. 1681c2, you are legally obligated to block all information resulting from identity theft within four business days of receiving proper documentation. 

DISPUTED COLLECTION ACCOUNT Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Partial Account Number ( as reported ) : XXXXXXXX XXXX XXXX XXXXalance : {$470.00} Date Opened ( per Equifax ) : XX/XX/XXXX Date Reported ( per Equifax ) : XX/XX/XXXX Status : Collection/Chargeoff Despite repeated requests for debt validation, I have never received any supporting documentation or signed contract linking me to this debt. Reporting a collection account without verification, proper validation, or consistent information across bureaus constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRIES The following Equifax inquiries were made without my knowledge or authorization, and must be blocked and removed immediately under FCRA 1681c2 and 1681b : 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 XXXXhese inquiries constitute unauthorized access to my consumer file, in direct violation of : FCRA XXXX ( f ) Permits access to a credit report only under permissible purposes. These inquiries occurred without such authorization. 

FCRA 1681c2 Requires all identity theft-related information be blocked within four business days.

FCRA 1681e ( a ) Requires CRAs to follow reasonable procedures to prevent unauthorized access.

LEGAL VIOLATIONS INVOLVED FCRA 611 ( a ) ( 1 ) Failure to reinvestigate disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) Inaccurate or unverifiable items must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report only accurate information.

FCRA 607 ( b ) Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Right to full disclosure of all information in my file.

FCRA 1681c2 Information due to identity theft must be blocked. 
FCRA 1681b ( f ) Prohibits obtaining a report without a permissible purpose. 
FDCPA XXXX ( b ) Failure of XXXX XXXX XXXX to validate the alleged debt. 

ACTIONS REQUESTED Immediately block and delete the fraudulent XXXX XXXX XXXX collection account from my Equifax credit file. 

Remove all unauthorized credit inquiries listed above from my Equifax report. 

Provide me with written confirmation that these deletions and blocks have been executed. 

Prevent re-reporting of this information unless full legal validation and prior notice is provided. 

FINAL NOTICE You are in possession of a valid FTC Identity Theft Report, and are now under legal obligation to act accordingly. Any failure to comply will result in immediate escalation via the Federal Trade Commission ( FTC ), along with consideration of legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief