Debt collection -- Attempts to collect debt not owed -- Complaint #12662154
Complaint Overview
Complaint ID: 12662154
Company: Equifax, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30331
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute an inaccurate and unauthorized collection account that is being reported on my credit file. The collection account in question is listed under the name XXXX XXXX XXXX with an account number ending in XXXX. This account does not belong to me, and I have no knowledge of any debt owed to this agency or original creditor. As a consumer, I am requesting an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following violations are being brought to your attention : FCRA 1681s-2 ( a ). Furnishing inaccurate or incomplete information to credit bureaus is prohibited. FCRA 1681i ( a ). I have the right to dispute any information on my report, and the bureau is required to complete an investigation within 30 days. FDCPA 809 ( 15 USC 1692g ). I was never provided with a written validation notice of the debt. FDCPA 807 ( 15 USC 1692e ). It is a violation to report false information or misrepresent the character, amount, or legal status of a debt. Furnisher Liability FCRA 623. The collector is responsible for verifying the accuracy of the information they provide to credit bureaus. If this inaccurate item is not removed from my credit reports, or if validation is not provided within the required timeline, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit disputes to the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. Consider legal action under FCRA and FDCPA for damages due to negligence, defamation, and emotional distress
Frequently Asked Questions
What is Complaint #12662154 about?
Complaint #12662154 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.