Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
New Dispute and Evidence attached : THIS IS NOT A DUPLICATE DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email To : XXXX XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL LAW To Whom It XXXX Concern : I, XXXX XXXX, am writing with urgency and concern regarding unauthorized, inaccurate, and fraudulent account information being reported under my name. This correspondence shall serve as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all erroneous account data in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and related federal privacy statutes.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have formally filed an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). I have also submitted formal disputes to XXXX, Equifax, and XXXX. The accounts listed below were not authorized, initiated, or acknowledged by me and are the product of identity theftpotentially by a former or current employee associated with your organization or affiliates. 



FRAUDULENT ACCOUNT / COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Amount Owed : {$290.00} FRAUDULENT INQUIRIES I DO NOT HAVE ANY ACCOUNTS ASSOCIATED WITH THESE COMPANIES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of inquiry XX/XX/XXXX Dispute this 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 REMOVE XXXX. These creditors have confirmed they possess no valid contract or signed agreement linking me to this account. 
XXXX. There exists no chain of custody, assignment documentation, or legitimate evidence binding me to any financial obligation. 



LEGAL VIOLATIONS AND CASE LAW SUPPORT XXXX. Fair Credit Reporting Act Violations ( FCRA ) : Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers and credit reporting agencies must not report information known to be inaccurate. Continued reporting after notice of a dispute constitutes a violation of federal law. 
XXXX. Reasonable Investigation Requirement : Credit reporting agencies must conduct a reasonable investigation after receiving a dispute ( XXXX XXXX. XXXX ( a ) ). Failure to do so is actionable. 



Recent Case Law Holding Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that continuing to allow third-party debt XXXX to access and report consumer data after the consumer filed an identity theft and fraud complaint violated the FCRAs duty to block fraudulent information under XXXX XXXX. XXXX. This precedent establishes that a credit reporting agency ( such as Equifax ) acts unlawfully if it allows a collection company to continue accessing and reporting disputed information once notified of fraud. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : Equifax and other CRAs were found liable for inaccurately placing consumers on XXXX watch lists and failing to ensure accuracy and proper reinvestigation. The Supreme Court affirmed statutory damages under the FCRA. 
XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : Equifax was found liable for failing to delete inaccurate and unverified data after the consumer submitted a valid identity theft claim, in violation of XXXX XXXX. XXXX. 
XXXX. XXXX v. Equifax Information Services, XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : Equifax failed to investigate a fraudulent account dispute and continued reporting it despite clear evidence, resulting in emotional distress damages and punitive damages awarded to the plaintiff. 
XXXX. XXXX v. Equifax Information Services LLC, XXXX. XXXX ( XXXX Utah XXXX ) : XXXX ruled in favor of consumer, noting XXXX failure to adequately XXXX a known fraudulent account was a willful violation of the FCRA. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Although older, this case reinforces that systemic failure to maintain accurate procedures under the FCRA exposes Equifax to class action liability. 



DEMANDS FOR IMMEDIATE COMPLIANCE You are hereby instructed to : XXXX. Immediately cease and desist from all reporting, collection, and communication related to the above-listed account. 
XXXX. Refrain from sharing or transferring my personal information without my express written consent. 
XXXX. Delete all records and data associated with the fraudulent account. 
XXXX. Notify all consumer reporting agencies of the permanent removal of this account. 
XXXX. Provide written confirmation of compliance within XXXX ( XXXX ) calendar days of receipt of this letter. 



ATTACHED DOCUMENTS FTC Identity Theft Complaint Supporting Evidence of Fraudulent Reporting CONSEQUENCES OF NON-COMPLIANCE Failure to comply will result in the immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, Mississippi Attorney General, and Georgia Attorney General. I am also prepared to initiate civil litigation to seek statutory, punitive, and compensatory damages under applicable federal and state laws. 

I trust your organization will treat this matter with the urgency and seriousness it warrants to prevent further harm to my credit and identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation