Debt collection -- Communication tactics -- Complaint #17954525
Debt Collector Ignored Cease and Desist Request
Complaint Overview
Complaint ID: 17954525
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Illinois
ZIP Code: 60452
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Continued contact after a cease and desist request violates the Fair Debt Collection Practices Act (FDCPA) and can lead to significant legal penalties.
Consumer Sentiment: negative
Topics: Debt collection, Fair Debt Collection Practices Act (FDCPA), Harassment
AI Analysis
CFPB complaint 17954525 was filed against EQUIFAX, INC. regarding Debt collection (Credit card debt), specifically about "Communication tactics". A consumer reported that a debt collector continued to contact them after they explicitly requested the contact to stop. The complaint was received on October 31, 2025 from Illinois. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
If a debt collector continues to contact you after you've asked them to stop, document all communications and consider filing a complaint with the CFPB or consulting an attorney.
Legal Context & Consumer Protection Laws
The FDCPA prohibits debt collectors from engaging in harassment, including continuing to contact a consumer who has requested the collector cease communication.
Regulatory Insight
This case highlights the importance of debt collectors adhering to consumer requests to cease communication, as failure to do so can result in regulatory action.
Resolution Likelihood
likely
State-Specific Consumer Protections
Illinois law may offer additional protections for consumers against aggressive debt collection practices.
Industry Comparison
This behavior is a common issue in the debt collection industry, often leading to consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17954525 about?
CFPB complaint 17954525 involves Debt collection (Credit card debt). The consumer reported an issue with "Communication tactics", specifically "You told them to stop contacting you, but they keep trying". This complaint was filed against EQUIFAX, INC. on October 31, 2025.
Which company is complaint 17954525 filed against?
Complaint 17954525 was filed against EQUIFAX, INC.. You can view all complaints against this company on their profile page at /company/equifax-inc.
What was the company's response to complaint 17954525?
EQUIFAX, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17954525 filed?
Complaint 17954525 was received by the CFPB on October 31, 2025. It was sent to EQUIFAX, INC. on December 11, 2025.
What state was complaint 17954525 filed from?
Complaint 17954525 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 17954525?
Dispute information is not available for complaint 17954525.
What product category is complaint 17954525 about?
Complaint 17954525 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 17954525 submitted?
Complaint 17954525 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17954525?
The FDCPA prohibits debt collectors from engaging in harassment, including continuing to contact a consumer who has requested the collector cease communication. This relates to a Debt collection complaint against EQUIFAX, INC. involving "Communication tactics".
How likely is complaint 17954525 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17954525?
This complaint is rated as high risk. Continued contact after a cease and desist request violates the Fair Debt Collection Practices Act (FDCPA) and can lead to significant legal penalties.
What regulatory actions apply to complaint 17954525?
This case highlights the importance of debt collectors adhering to consumer requests to cease communication, as failure to do so can result in regulatory action. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17954525?
If a debt collector continues to contact you after you've asked them to stop, document all communications and consider filing a complaint with the CFPB or consulting an attorney.
Are there state-specific protections for complaint 17954525?
Illinois law may offer additional protections for consumers against aggressive debt collection practices. This complaint was filed from Illinois.
How does complaint 17954525 compare to industry norms?
This behavior is a common issue in the debt collection industry, often leading to consumer complaints.
What constitutes a valid 'cease and desist' request under the FDCPA?
A cease and desist request must be in writing and sent to the debt collector. Once received, the collector must cease all further communication, except to notify the consumer of specific actions they intend to take, such as filing a lawsuit.
What are the potential consequences for a debt collector who ignores a cease and desist request?
Violating a cease and desist request can lead to lawsuits from consumers seeking damages, as well as enforcement actions and fines from regulatory bodies like the CFPB.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.