Debt collection -- Attempts to collect debt not owed -- Complaint #13147005
Complaint Overview
Complaint ID: 13147005
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Tennessee
ZIP Code: 38053
Date Received: 2025-04-23T12:00:00-05:00
Date Sent to Company: 2025-04-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), Date of Birth : ( Private XXXX ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification. The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : XXXX XXXX XXXX XXXX : Personal Credit Card, Account Number : ( private ), Opened on XX/XX/year>. These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer XXXX credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer XXXX credit report obtained from Equifax, which clearly highlights these erroneous items. I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the XXXX Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. Therefore, pursuant to my rights under the FCRA 605B, I demand that the Equifax credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.
Frequently Asked Questions
What is Complaint #13147005 about?
Complaint #13147005 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-23T12:00:00-05:00.
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.