Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a derogatory account reported on my credit file, allegedly opened on XX/XX/XXXX, while I was incarcerated from XXXX until XX/XX/XXXX. It is factually and legally impossible for me to have opened or authorized any account during that time, as I was in the custody of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



I have already submitted documentation verifying my XXXX, and I am again enclosing that evidence with this letter. Furthermore, you can independently verify my XXXX  and release date directly through the XXXX XXXX XXXX XXXX ' XXXX  locator at XXXX, using either my name or XXXXXXXX XXXX XXXX. Your refusal to correct or remove this entry despite proof and the ability to easily confirm the facts constitutes willful and negligent noncompliance with federal law. 



Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) You are prohibited from furnishing information to a credit reporting agency if you know or have reasonable cause to believe the information is inaccurate. Continuing to report this debt is a direct violation of this statute.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) It is unlawful to report information that is false or that a debt collector knows or should know is false. Your continued reporting, despite being notified and provided with proof, is deceptive and misleading.

3. FCRA, 15 U.S.C. 1681i ( a ) Dispute Procedures Failure to conduct a reasonable investigation following a consumer dispute, especially when provided with concrete evidence, constitutes a violation of this statute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court found a superficial investigation to be noncompliant. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate the authenticity of an account after a valid dispute especially one involving identity theft or fraud is a violation of the FCRA and may be subject to damages. 



My Demands : 1. Immediate deletion of the account from all credit reporting agencies.

2. Written confirmation that the item has been deleted.

3. Cease and desist all collection activity regarding this account.

Suppose this matter is not resolved within 15 calendar days of receipt of this letter. In that case, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider filing suit under FCRA 1681n and 1681o, which allow recovery of statutory, actual, and punitive damages, along with attorney 's fees for willful or negligent violations. 



I expect a prompt and lawful resolution. Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation