Consumer complaint received 2025-06-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Date : [ Insert Todays Date ] To : Equifax P.O. Box XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Immediate Deletion Identity Theft & Illegal Collection Practices To Whom It May Concern : I am formally disputing the inclusion of a fraudulent collection account reported by Diversified Adjustment Service ( also listed as Diversified Adj Svc or Diversified Adjustme ) in the amount of {$1700.00}, which appears on my credit file without my knowledge, consent, or authorization. 

This account stems directly from identity theft, as documented in the FTC Identity Theft Report No. XXXX, which I have submitted under penalty of perjury. The fraud began around XX/XX/XXXX and was discovered in XX/XX/XXXX, according to the report. I had no involvement in or knowledge of this account, nor did I authorize its creation, assignment, or collection. 

Legal Violations and Grounds for Deletion : XXXX. XXXX XXXX Code XXXX ( FCRA XXXX ) : This statute mandates the removal of all information resulting from identity theft once the victim provides a valid identity theft report. I have submitted such documentation, and therefore, this account must be blocked and removed immediately from all credit files. 
XXXX. XXXX XXXX Code XXXX ( a ) ( XXXX ) Re-Aging of Debt Is Illegal : The reported collection account lists a fraudulent open date ( XX/XX/XXXX ) inconsistent with original debt timelines, which constitutes re-aging. This practice is a deceptive attempt to extend the reporting period and is a direct violation of the FCRA. 
XXXX. XXXX XXXX Code XXXX ( XXXX ) False or Misleading Representation by a Debt Collector : Reporting a known fraudulent debt to the credit bureaus despite identity theft evidence is false, deceptive, and misleading and a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX XXXX XXXX Lack of Proper Debt Validation : I was never served with a notice of debt or given a chance to dispute it within 30 days, as required. Therefore, the collection activity is unauthorized and invalid. 
XXXX. XXXX XXXX / UCC XXXX XXXX of Rights : I reserve all rights without prejudice. Any attempt to collect or report debts derived through fraudulent means and without proper legal standing violates the XXXX XXXX XXXX. 
XXXX. Unauthorized Purchase of Debt Without Consent : No original contract exists between myself and XXXX XXXX XXXX. Any third-party collection effort must demonstrate legal standing, a chain of assignment, and express permission to collect. Absent such documentation, this is an unlawful attempt to enforce a debt without a valid agreement. 



Demand for Immediate Action : Pursuant to federal law, I am demanding : XXXX. Permanent deletion of the XXXX XXXX XXXX collection account from my credit report. 
XXXX. Written confirmation from your bureau that this account has been removed and will not be reinserted. 
XXXX. A copy of your method of investigation under XXXX XXXX XXXX XXXX if you decline removal, though by law, this account must be blocked due to the valid identity theft report. 

Failure to comply with these statutes will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil legal action for damages under XXXX XXXX Code XXXX and XXXX. 

Sincerely, XXXX XXXX FTC Identity Theft Report No : XXXX Enclosures : Identity Theft Report, Photo ID, Proof of Address

Company response to consumer: Closed with non-monetary relief