Debt collection -- Attempts to collect debt not owed -- Complaint #14617982
Complaint Overview
Complaint ID: 14617982
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: California
ZIP Code: 90059
Date Received: 2025-07-12T12:00:00-05:00
Date Sent to Company: 2025-07-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a report of identity theft to Equifax, including all required documentation under 15 U.S. Code 1681c2 : proof of my identity, a valid identity theft report, a written request to block the accounts, and a clear statement that the accounts were not authorized by me. Instead of complying with the law and blocking the fraudulent accounts within four business days, Equifax chose to verify the accounts with the original creditors and left them on my report. This action directly violates the FCRA, which does not require further investigation once proper identity theft documentation has been submitted. Equifaxs failure to comply has caused me ongoing harm, emotional distress, and credit damage, and I am requesting immediate corrective action.
Frequently Asked Questions
What is Complaint #14617982 about?
Complaint #14617982 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-07-12T12:00:00-05:00.
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 (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.