Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12909399
Complaint Overview
Complaint ID: 12909399
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 170XX
Date Received: 2025-04-09T12:00:00-05:00
Date Sent to Company: 2025-04-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : FORMAL DISPUTE AND DEMAND FOR VALIDATION FCRA & FDCPA VIOLATIONS To Whom It May Concern, I am writing in response to your recent verification regarding the account listed under XXXX XXXX XXXX on my Equifax credit report. Let me be clear : THIS IS NOT MY DEBT. Your response fails to meet the legal standard for verification under the FAIR CREDIT REPORTING ACT ( FCRA ) and the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Stating that Equifax verified that this item belongs to you is NOT A VALID FORM OF DEBT VALIDATION. I am formally requesting the following : FULL VALIDATION OF THE DEBT UNDER XXXX U.S.C. XXXX ( B ), including : - A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE- THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR - A FULL ITEMIZED ACCOUNTING OF THE ALLEGED BALANCE - DOCUMENTATION SHOWING PORTFOLIO RECOVERY HAS LEGAL STANDING TO COLLECT THIS DEBT IMMEDIATE REINSERTION OF THE DISPUTED NOTATION on my credit report as required under FCRA 623 ( A ) ( 3 ), or COMPLETE DELETION OF THE TRADELINE if you can not comply. *****You have removed the dispute language while continuing to report the account a SERIOUS VIOLATION OF FEDERAL LAW!!! ****** If you are UNABLE TO VALIDATE THIS DEBT and CORRECT OR DELETE THE TRADELINE within 15 DAYS, I will escalate this matter with the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), FEDERAL TRADE COMMISSION ( FTC ), and MY STATE ATTORNEY GENERAL. I am also prepared to PURSUE LEGAL ACTION FOR DAMAGES under both the FCRA and FDCPA. This is your opportunity to resolve this AMICABLY by IMMEDIATELY DELETING the account from ALL CREDIT REPORTING BUREAUS.
Frequently Asked Questions
What is Complaint #12909399 about?
Complaint #12909399 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-04-09T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 (Credit reporting or other personal consumer reports) 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.