Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Equifax, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX CC : CFPB, XXXX. XXXX XXXX, XXXX, IA XXXX Re : Demand for Deletion Under FCRA 1681c-2 ( 605B ), 1681e ( b ), 1681i, 1681s-2 ( b ), Metro 2 Violations ; {$1000.00} Per Violation Dear Equifax, XXXX XXXX XXXX XXXX As a victim of the XXXX Equifax data breach, confirmed via the settlement tool, I demand immediate deletion of the following fraudulent/inaccurate accounts caused by identity theft. These violate FCRA 1681c-2 ( Section 605B, requiring blocking of identity theft-related information ), 1681e ( b ) ( accuracy ), 1681i ( dispute investigations ), 1681s-2 ( b ) ( furnisher duties ), and Metro 2 guidelines ( e.g., mismatched dates, unverifiable statuses ). Each account is a separate violation, entitling me to {$1000.00} statutory damages per violation, actual damages, and fees under 1681n. 

Accounts for Deletion XXXX XXXX ( Original : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX )/ XXXX ( XXXX XXXX ), Violation : Date Opened vs. Last Active ; 1681c-2, Balance : {$2600.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX, Violation : Duplicate ; 1681e ( b ), Balance : {$470.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX ( Duplicate ), Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : Duplicate ; 1681s-2 ( b ), Balance : {$470.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : Inaccurate status ; 1681i, Balance : {$1900.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : Date conflict ; XXXX, Balance : {$1200.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : High Credit mismatch ; 1681s-2 ( b ), Balance : {$1400.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : Unverified charge-off ; 1681i, Balance : {$3600.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX CRED, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Duplicate ; 1681e ( b ), Balance : {$2600.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Violation : Disputed charge-off ; 1681c-2, Balance : {$20000.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Violation : Beyond 7 years ; 1681c, Balance : {$0.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Canceled charge-off ; 1681s-2 ( b ), Balance : {$3400.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Duplicate ; 1681e ( b ), Balance : {$13000.00}, Demand : Delete ; admit ; {$1000.00}. 



XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Duplicate ; 1681i, Balance : {$13000.00}, Demand : Delete ; admit ; {$1000.00}.

Block fraudulent items under 1681c-2 ( 605B ) within 4 business days and confirm deletions with updated reports within 5 days. Non-compliance will lead to a federal lawsuit and CFPB escalation ( complaints filed ).

Company response to consumer: Closed with explanation