Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to file a formal complaint against Equifax and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and related Federal Trade Commission ( FTC ) regulations concerning the continued reporting and unlawful reinsertion of a fraudulent XXXX XXXX account on my credit report. 

This account : Is not in my name Has an address that does not match mine Was previously disputed and removed from my credit report Has now been reinserted by Equifax, despite documented evidence that it is fraudulent. 
Background and Current Issue : I have submitted all required documentation as outlined under FCRA 611 ( 15 U.S.C. 1681i ), including : Proof of identity A police report A sworn fraud affidavit Documentation showing that the name and address on the XXXX XXXX account do not match mine Additionally, I have a recorded statement from a supervisor at XXXX, confirming that XXXX XXXX is actively attempting to fraudulently manipulate the name on the account to mirror my actual nameeven though the original name and address are not mine. 

Equifax has stated the following, which is deeply concerning and violates my rights : They do not know what information XXXX XXXX is submitting They do not have to investigate the information That XXXX XXXX can simply declare the account is mine, regardless of conflicting identifying details These practices are blatantly unlawful under the following statutes : Violations of the Law : Fair Credit Reporting Act ( FCRA ) Violations : FCRA 602 ( 15 U.S.C. 1681 ) : The purpose of the FCRA is to ensure fair and accurate credit reporting. Re-reporting a fraudulent account that does not match my identifying information violates this purpose. 
FCRA 611 ( 15 U.S.C. 1681i ) : This section mandates that a credit reporting agency must conduct a reasonable reinvestigation of disputed information. Equifax has failed to do so and instead has reinserted inaccurate, unverified information. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : I submitted an identity theft report, which legally requires the credit bureaus to block fraudulent information from appearing on my file. Re-inserting this data is a direct violation. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers like XXXX XXXX are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Manipulating personal data to make it appear valid constitutes willful misconduct. 
FCRA 611 ( a ) ( 5 ) ( B ) : A consumer reporting agency must not reinsert information that has been previously deleted as a result of a dispute unless the furnisher certifies the accuracy and the agency notifies the consumer in writing within 5 business days. Neither of these requirements were followed. 
Demand for Immediate Action : I am demanding the following : Immediate and permanent removal of the fraudulent XXXX XXXX account from my Equifax credit report A full investigation into the illegal reinsertion of this account and Equifax 's refusal to investigate, in violation of FCRA requirements Enforcement actions and penalties imposed on Equifax and XXXX XXXX for willful violations of federal law Written confirmation that this matter has been fully resolved, along with an updated copy of my Equifax credit file Evidence Provided : Police report Identity Theft Affidavit Communication records with Equifax and XXXX XXXX Recording of XXXX supervisor confirming name manipulation Correspondence showing Equifax 's refusal to investigate Equifax and XXXX XXXX are not only failing in their legal obligations under FCRA and FTC regulationsthey are actively enabling fraudulent behavior that is harming my financial standing, violating my rights, and causing ongoing distress. 

I respectfully request the CFPB to take immediate enforcement action and assist in the resolution of this serious matter.

Company response to consumer: Closed with explanation