Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Subject : Formal Dispute Fraudulent Collection Accounts Reported in Violation of Federal Law To Whom It May Concern, This letter serves as a formal notice of dispute regarding fraudulent collection accounts that have been illegally placed on my credit report. These entries are false, unauthorized, and unverified, and their continued reporting constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 



I demand an immediate deletion of all fraudulent accounts identified as collections that do not belong to me. These entries have caused significant harm to my creditworthiness and reputation. 









Legal Basis for Dispute and Immediate Deletion Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete it within 30 days of receipt of this notice.

Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a detailed description of the method of verification, including the name, address, and telephone number of the furnisher who verified the information. 



Your continued reporting of fraudulent collections without providing proper verification will be considered willful noncompliance under 15 U.S.C. 1681n, which entitles me to pursue statutory, actual, and punitive damages, as affirmed in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX where the court held that a credit reporting agency must go beyond the original source when a consumer disputes accuracy. 



Additionally, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting fraudulent collections without verification demonstrates reckless disregard for this requirement. 









Fraudulent Accounts in Dispute ACCOUNT NAME : XXXX & XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX These accounts are not mine, were never authorized, and I have no contractual relationship with any of the named furnishers. 









Demand for Immediate Action I hereby demand the following : Immediate deletion of all fraudulent collection accounts.

Written confirmation of deletion sent to me within 30 days of receipt of this dispute. 
Full disclosure of all entities to whom this fraudulent information has been furnished within the last 12 months, as required by 15 U.S.C. 1681g ( a ) ( 3 ).

Failure to comply within the statutory timeframe will result in my initiation of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, as well as the pursuit of civil remedies under 15 U.S.C. 1681n and 1681o. 









Notice of Intent Be advised that your agency is now on formal legal notice. Any continued reporting or reinsertion of these fraudulent accounts without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) will be treated as malicious noncompliance.

Please also update my personal information and remove all unverifiable variations of name and unverifiable address also. My correct name and address is listed on my Government ID in the uploaded documents. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ALL OTHER NAMES AND ADDRESSES NEEDS TO BE DELETED IMMEDIATELY. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief