Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal FCRA & FDCPA Dispute Immediate Action Required on Misidentification and Failure to Investigate To Whom It May Concern : This letter is to formally notify Equifax of multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and to demand immediate correction.

1.

Misidentification Reporting Under Sr You have verified and reported several accounts under the name XXXX XXXX XXXX XXXX. I am not, nor have I ever been, identified as XXXX or XXXX. This misidentification constitutes a failure to ensure the maximum possible accuracy of the information you publish as required under FCRA 607 ( b ).

The accounts listed below are being reported under this incorrect name and must be immediately removed : 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   This is a serious violation of my rights as a consumer and your legal obligations under federal law. 





2.

Failure to Investigate D
isputes Sent via USPS Mail ( XX/XX/ XXXX XXXX XXXX XXXX XXXX, I mailed formal disputes via XXXX Mail, with proof of delivery. Despite this, Equifax failed to conduct any reinvestigation or issue a response within the 30-day period required under FCRA 611 ( a ). Disregarding mailed disputes and selectively processing only online or telephone disputes is an unlawful practice. 



This failure to respond and investigate is an actionable violation of federal law, and I am documenting it accordingly.

3.

Unverified Collections FCRA & FDCPA Violations There are collection and charge-off accounts on my Equifax credit file that remain listed without proper verification as required under FCRA 611 ( a ) and FDCPA 809 ( b ). These include 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 A mere billing statement or unverifiable data from a third party does not constitute proper validation under federal law. 









DEMAND FOR ACTION WITHIN 10 DAYS : I hereby demand : Immediate deletion of all accounts reported or verified under XXXX XXXX XXXX XXXX as this is not my legal identity. 
Immediate deletion of any account that remains unverified as defined by FCRA and FDCPA.

A written explanation addressing the failure to investigate my XX/XX/XXXX XXXX  mailed disputes. 
Payment of {$1000.00} per FCRA violation and any additional damages available under the FDCPA. 




If these violations are not fully corrected within 10 calendar days, I will pursue : Civil claims for damages in small claims court ; Legal remedies including injunctive relief, statutory damages, and attorneys fees.

You are legally obligated to correct these errors. This is your final opportunity to comply before legal action is initiated. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief