Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts reported on my credit file. It is my firm belief that these accounts were reported by a third party without legal standing or authorization, and I request immediate action for their removal from my credit report. As per the Fair Debt Collection Practices Act ( FDCPA ), third-party debt collectors must prove their legal authority to collect on such debts, which I believe they have failed to do. Furthermore, under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive verified documentation supporting the legitimacy of these debts, including proof of ownership and authorization. I request that all related documentation be sent to me directly, and a copy must also be provided to Equifax. 

I am filing a formal complaint against Equifax for failing to properly investigate the inaccuracies in my credit report, as is mandated under the FCRA. I have also requested the Forward Flow Agreement ( FOWARD FLOW Agreement ) to verify the legal standing of the third-party debt holders. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Equifaxs full compliance with federal laws and regulations. 

Additionally, I suspect that my personal data has been compromised and stolen, possibly in violation of the Gramm-Leach-Bliley Act ( GLBA ). I believe my identity was misappropriated and sold to a third party. Therefore, I request the immediate deletion of all fraudulent items from my credit report within 15 business days.

In accordance with the FCRA, credit bureaus are obligated to investigate disputes within 30 days and provide a resolution. If the third parties have unlawfully accessed and shared my personal data, I will be filing a claim under the Identity Theft and Assumption Deterrence Act ( XXXX ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX Account number : XXXX XXXX Account number : XXXX These inquiries were made without my knowledge or consent. As per FCRA Section 609 and 605, I request proof that I consented to these inquiries and that they are accurate under FCRA Section 623. If you can not provide this proof, I request the immediate removal of these inquiries.

Under 15 U.S.C. 1681g, I have the right to demand that you disclose to me all documents you have recorded and retained regarding the disputed accounts in my credit report. I do not accept responses indicating these accounts have been verified without sending me the actual documentation used for verification.

If you can not provide the required documentation under Section 611 ( a ) ( 5 ) ( A ) ( i ), you are legally obligated to delete the disputed accounts from my credit report. By reporting these inaccurate and unverified items, you are damaging my creditworthiness and reputation.

Under FCRA 15 U.S.C. 1681i, if these accounts can not be verified within 30 days of this request, they must be removed from my credit report. I also request a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief