Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am filing this blistering, urgent complaint against Equifax for their outrageous, willful, and unconscionable violations of federal law in continuing to report the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report, as evidenced by a screenshot of my credit report dated XX/XX/XXXX. I have been tirelessly disputing this account since XX/XX/XXXX, with disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, clearly proving this account is a result of identity theft. Yet, Equifaxs obstinate refusal to remove this account, despite overwhelming evidence and their continued re-aging of the debt as recently as XX/XX/XXXX, has caused me catastrophic financial harm, emotional distress, and a complete inability to establish or maintain credit. Equifaxs actions are a blatant, egregious violation of multiple federal laws, and I demand the CFPB take immediate action to force Equifax to remove this account, hold them accountable for their gross negligence, and compensate me for the irreparable damage they have caused. 

Inaccuracies in Reporting Equifaxs reporting of the XXXX XXXX XXXX account is riddled with flagrant inaccuracies that have devastated my credit profile, as confirmed by the XX/XX/XXXX, screenshot : Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as documented in my FTC Identity Theft Report. Equifax continues to report this account as mine, with a {$260.00} balance past due as of XX/XX/XXXX. 
Re-aging Violation : The account was closed in XX/XX/XXXX, yet Equifax reports a {$260.00} balance as past due in XXXX XXXXfour years after closureconstituting illegal re-aging by making the debt appear more recent. This is a deliberate attempt to extend the negative impact on my credit report, as evidenced by the payment summary showing a charge-off ( CO ) status from XX/XX/XXXX to XX/XX/XXXX. 
Incorrect Payment History : The account shows late payments ( 30 days in XXXX XXXX, 60 days in XX/XX/XXXX and XXXX XXXX 180 days in XXXX and XXXX XXXX ), which I did not make because I never opened or used this account. These false late payments have further tanked my credit score. 
Misleading Status and Charge-Off : The account is marked as a charge-off with a {$390.00} original charge-off amount, despite being fraudulent. Equifax has failed to rectify this fraudulent entry despite my disputes. 
Repeated Reporting : The payment summary shows Equifax reporting the charge-off status monthly from XX/XX/XXXX to XX/XX/XXXX, exacerbating the negative impact on my credit report in direct violation of FCRAs accurate reporting requirements. 
Failures in Verification Process Equifaxs verification process is a sham, demonstrating a willful disregard for their legal obligations : I have disputed this account three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), yet Equifax has failed to remove it or provide any credible evidence of verification. Their claim of verification in response to my disputes is baseless, as they have not provided any supporting documentation from XXXX XXXX XXXX to substantiate the accounts validity. 
Equifax has refused to disclose how they verified this account with XXXX XXXX XXXX, despite my explicit requests for this information. This lack of transparency is a direct violation of my rights. 
Equifaxs failure to block this information after receiving my FTC Identity Theft Report is a shocking display of negligence and non-compliance with federal law. 
Legal Violations Equifaxs actions constitute multiple, egregious violations of federal law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation within 30 days of my disputes, as required by law.

15 U.S. Code 1681i ( a ) ( 5 ) : Equifax failed to delete unverifiable information. This account is fraudulent, yet Equifax has not provided evidence to verify its legitimacy.

15 U.S. Code 1681i ( a ) ( 6 ) : Equifax failed to provide a description of the reinvestigation process despite my repeated requests, a clear violation of my rights.

15 U.S. Code 1681c-2 : Equifax failed to block information resulting from identity theft after receiving my FTC Identity Theft Report, an inexcusable breach of their legal duty.

15 U.S. Code 1681c : Equifax engaged in illegal re-aging by updating the balance as past due in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX, in direct violation of FCRA guidelines. 
15 U.S. Code 1681b ( 2 ) : Equifax is reporting inaccurate information by continuing to list this fraudulent account, violating the FCRAs requirement for accuracy.

15 U.S. Code 1681b ( 5 ) : Equifax lacks a permissible purpose to report this account, as it is fraudulent and unverifiable, making their reporting invalid.

Fair Credit Billing Act ( FCBA ) : Equifax has failed to correct billing errors, such as the incorrect {$260.00} balance and charge-off status, despite my disputes, further compounding the harm.

Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect balance, re-aged status, and charge-off, Equifax misrepresents the terms of credit, violating TILAs requirement for accurate disclosure.

Consumer Financial Protection Act ( CFPA ) : Equifaxs refusal to remove this account, their engagement in re-aging, and their lack of transparency in the verification process constitute unfair and deceptive practices, causing me substantial injury.

Harm Caused Equifaxs willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly devastated, plummeting due to this fraudulent accounts presence, false late payments, and charge-off status. This has completely obliterated my ability to obtain credit, secure loans, or even rent a home, leaving me in financial ruin.

I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability, all because of Equifaxs refusal to act.

The emotional distress caused by Equifaxs actions is unbearableI have suffered severe anxiety, frustration, and sleepless nights, knowing that a fraudulent account continues to destroy my financial future while Equifax does nothing. 
I have spent countless hourshundreds, in factdisputing this account, gathering evidence, and filing complaints, all while Equifax ignores my pleas and violates my rights. This has diverted time and resources from my personal and professional life, leaving me exhausted and hopeless. 
Evidence Supporting My Claim FTC Identity Theft Report : My FTC Identity Theft Report ( FTC Report Number : XXXX ), filed on XX/XX/XXXX, clearly documents the fraudulent nature of this account, yet Equifax has ignored this evidence. 
Prior Disputes : I have disputed this account with Equifax three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), explicitly demanding proof of verification, which Equifax has failed to provide. 
I demand that the CFPB take immediate and decisive action against Equifax to rectify their egregious violations and the irreparable harm they have caused : Immediate Removal of the Account : Order Equifax to remove the XXXX XXXX XXXX account from my credit report immediately, as it is fraudulent. 
Investigate Verification Failures : Launch a thorough investigation into Equifaxs sham verification process, their failure to comply with FCRA requirements, and their illegal re-aging practices.

Impose Severe Penalties : Hold Equifax accountable for their flagrant violations of the FCRA, FCBA, TILA, and CFPA. I demand statutory damages of {$1000.00} per violation under 15 U.S. Code 1681n for Equifaxs willful non-compliance, as well as punitive damages for their reckless disregard of my rights. 
Compensate for Devastating Harm : Require Equifax to compensate me for the catastrophic financial harm, emotional distress, and loss of opportunities caused by their negligence. This includes compensation for my lowered credit score, denied credit access, increased borrowing costs, and the severe emotional toll of their actions. 
Systemic Accountability : Given recent news reports of Equifaxs systemic bad practices ( as noted in my XX/XX/XXXX, FTC complaint, FTC Report Number : XXXX ), I demand that the CFPB investigate Equifaxs broader patterns of non-compliance and take enforcement action to protect all consumers from their predatory behavior.

Equifaxs actions are not mere oversightsthey are deliberate, malicious, and predatory, designed to keep fraudulent information on my credit report to my detriment. They have ignored clear evidence of fraud, flouted federal law, and caused me irreparable harm. I will not stand for this injustice any longer. The CFPB must act swiftly to force Equifax to remove this account, hold them accountable for their violations, and ensure they compensate me for the devastation they have caused. If Equifax does not comply immediately, I will pursue every legal avenue available, including a federal lawsuit, to protect my rights and seek justice.

Company response to consumer: Closed with explanation