Consumer complaint received 2025-09-07 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: OH

Complaint narrative:
# FORMAL DISPUTE LETTER - FRAUDULENT COLLECTION ACCOUNT XX/XX/year> -- -- - * * TO : * * Experian, Equifax, TransUnion Credit Reporting Agencies * * RE : * * Formal Dispute of Fraudulent Collection Account * * Account in Question : * * XXXX XXXX XXXX - {$0.00} -- -- - # # NOTICE OF DISPUTE UNDER FCRA 611 Dear Credit Reporting Agencies, I am writing to formally dispute the fraudulent collection account listed on my credit reports from * * XXXX XXXX XXXX  * *. This account is inaccurate, unverified, and appears to be fraudulent. I demand its immediate removal from all three credit bureaus pursuant to my rights under federal law. 

# # LEGAL BASIS FOR DISPUTE # # # Fair Credit Reporting Act ( FCRA ) Violations : * * 15 U.S.C. 1681e ( b ) * * - You are required to follow reasonable procedures to assure maximum possible accuracy. The presence of this fraudulent account violates this requirement.

* * 15 U.S.C. 1681i * * - Upon receipt of this dispute, you must conduct a reasonable reinvestigation and remove any information that can not be verified as accurate.

* * 15 U.S.C. 1681c * * - You may not report obsolete or unverifiable information.

# # # Fair Debt Collection Practices Act ( FDCPA ) Violations : * * 15 U.S.C. 1692e * * - The collection agency has engaged in false, deceptive, or misleading practices by reporting a fraudulent debt.

* * 15 U.S.C. 1692f * * - Attempting to collect on a fraudulent debt constitutes unfair practices.

* * 15 U.S.C. 1692g * * - I was never provided proper validation of this alleged debt.

# # SPECIFIC DISPUTES 1. * * I DO NOT OWE THIS DEBT * * - This account does not belong to me and appears to be the result of identity theft or reporting error.

1. * * LACK OF VERIFICATION * * - Neither the credit bureaus nor XXXX XXXX XXXX have provided any documentation proving : - The validity of the original debt - My contractual obligation to pay - Proper chain of custody/assignment - Verification of the debt amount 1. * * FRAUDULENT REPORTING * * - The reporting of this account without proper verification violates FCRA accuracy requirements.

1. * * FAILURE TO VALIDATE * * - Under FDCPA 1692g, I have the right to debt validation, which has never been provided.

# # DEMANDED ACTIONS Pursuant to 15 U.S.C. 1681i and 1681j, I demand that you : 1. * * IMMEDIATELY REMOVE * * this fraudulent Credence Resource Management account from my credit file 1. * * PROVIDE WRITTEN CONFIRMATION * * of the removal within 30 days 1. * * NOTIFY ALL ENTITIES * * who received my credit report in the past 6 months of this deletion 1. * * SEND UPDATED CREDIT REPORTS * * showing the removal of this fraudulent account # # NOTICE OF INTENT TO SUE Please be advised that failure to comply with these demands may result in legal action under : - * * FCRA 1681n * * - Willful non-compliance damages up to {$1000.00} per violation plus actual damages and attorney fees- * * FCRA 1681o * * - Negligent non-compliance actual damages and attorney fees- * * State consumer protection laws * * - Additional damages and penalties # # SUPPORTING EVIDENCE I am enclosing : - Copy of drivers license for identification - Copy of Social Security card - [ Include any identity theft reports, police reports, or other supporting documentation ] # # CONSUMER RIGHTS STATEMENT Under the FCRA, you have 30 days to investigate this dispute. If you can not verify the accuracy of this information, it must be deleted. This is not a request- it is a demand based on my statutory rights as a consumer. 

I expect your full compliance with federal law and look forward to your prompt response confirming the removal of this fraudulent account. 

# # RECORD KEEPING NOTICE This letter serves as my official dispute under federal law. I am maintaining complete records of this correspondence and will use it in any future legal proceedings if my rights are violated. 

* * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation