Debt collection -- Attempts to collect debt not owed -- Complaint #4566969
Complaint Overview
Complaint ID: 4566969
Company: Equifax, INC.
Product: Debt collection
Sub-Product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 07201
Date Received: 2021-07-23T12:00:00-05:00
Date Sent to Company: 2021-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The attached exhibits clearly display each violation of federal law per the FDCPA against my consumer rights that XXXX XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not a loan and I am not a borrower instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( Equifax, XXXX, XXXX ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Frequently Asked Questions
What is Complaint #4566969 about?
Complaint #4566969 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-23T12:00:00-05:00.
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.