Consumer complaint received 2025-09-11 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:
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 May Concern : I, XXXX XXXX XXXX, am writing with urgency regarding unauthorized, inaccurate, and fraudulent account information currently reported under my name. This letter serves 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. 



Timeline of XXXX Equifax XXXX XX/XX/XXXX : Supervisor XXXX ( ID : XXXX, Country : Outside XXXX ) confirmed collections and fraudulent accounts would be removed by Monday, XX/XX/XXXX. 
XX/XX/XXXX : Supervisor XXXX  ( ID : XXXX ) confirmed that the back office requested resubmission of documents due to illegibility of page numbers on my CFPB report and my drivers license copy. She admitted Equifax already has clear and valid identification on file from previous disputes, and that once re-sent, these fraudulent accounts would be removed within XXXX ( XXXX ) business days. 
XXXX XXXX further acknowledged that Equifaxs back office is improperly delaying removal based on unnecessary technicalities despite clear, legitimate documentation. 



Identity Theft Report and Notice of Dispute I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). Formal disputes have been submitted with XXXX, XXXX, and Equifax. 

The following accounts, collections, and inquiries are fraudulent, unauthorized, and invalid : Fraudulent Accounts XXXX XXXX XXXX XXXX | XXXX | Balance : {$36000.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX | XXXX | Balance : {$19000.00} | Opened : XX/XX/XXXX XXXX XXXX | XXXX | Balance : {$15000.00} | Opened : XX/XX/XXXX XXXX XXXX | XXXX | Balance : {$10000.00} | High Credit : {$15000.00} | Opened : XX/XX/XXXX XXXX XXXX | XXXX | Balance : {$6600.00} | High Credit : {$6900.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX | XXXX | Balance : {$2200.00} | High Credit : {$2200.00} | Opened : XX/XX/XXXX Fraudulent Collection Diversified Adjustments ( Collection agency ) | Original Creditor : XXXX XXXX XXXX XXXX  XX/XX/XXXX | Amount : {$290.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/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 XXXXXX/XX/XXXX Factual Grounds for Removal XXXX. No valid contract or signed agreement exists linking me to these accounts. 
XXXX. No chain of custody, assignment documentation, or evidence exists binding me to any financial obligation. 



Legal Violations and Case Law Support 1. FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers and CRAs must not report information known to be inaccurate. Continuing to report disputed and fraudulent data is unlawful. 
XXXX. Failure to Investigate : CRAs must conduct a reasonable investigation after a dispute ( 15 U.S.C. 1681i ( a ) ). Failure to do so is actionable. 

Recent Case Law Holding Equifax Liable : XXXX XXXX XXXX, XXXX XXXX Equifax Info. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ). 
XXXX v. Equifax XXXX. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ). 
XXXX v. Equifax XXXX. XXXX, XXXX. XXXX ( XXXX Utah XXXX ). 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 



Demands for Immediate Compliance Equifax is hereby directed to : XXXX. Cease and desist from all reporting, collection, and communication related to the above accounts. 
XXXX. Refrain from sharing or transferring my personal information without my express written consent. 
XXXX. Delete all records and data associated with the fraudulent accounts, collections, and inquiries. 
XXXX. Notify all CRAs of permanent removal of this information. 
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 If Equifax fails to comply, I will immediately : File complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, Mississippi Attorney General, and Georgia Attorney General. 
Initiate civil litigation seeking statutory, punitive, and compensatory damages under applicable federal and state law. 

This is your final opportunity to comply before I escalate this matter to federal authorities and the courts. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation