Debt collection -- Attempts to collect debt not owed -- Complaint #5085108
Complaint Overview
Complaint ID: 5085108
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: New Jersey
ZIP Code: 087XX
Date Received: 2022-01-07T12:00:00-05:00
Date Sent to Company: 2022-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my XXXX complaint that I am filing against EQUIFAX. There were XXXX [ XXXX ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX deleted the inquires after I disputed. Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. -The term consumer means an individual. -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.
Frequently Asked Questions
What is Complaint #5085108 about?
Complaint #5085108 was filed against Equifax, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-07T12:00:00-05:00.
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.