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: FL

Complaint narrative:
Equifax for what appears to be deliberate non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ). Exquifax, improper handling of my credit report and failure to remove inaccurate information has caused significant harm and damages to my financial standing and violated my rights as a consumer. In accordance with 15 U.S.C. 1681i ( 7 ) I dispute this accounts as it lacks valid verification and evidence making it a violation. I would like Equifax to please delete this inaccurate accounts information from my credit report. Equifax erroneous processes have substantially damaged my credit score. I request immediate deletion of these items to mitigate the harm and damages caused by Equifax actions. Summary of the Issue Despite my formal disputes regarding inaccurate and fraudulent information on my credit report, Equifax, XXXX and XXXX have failed to remove the disputed accounts and inquiries as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA. Equifax, XXXX and XXXX agencies showing different information. This non-compliance has negatively impacted my credit profile and constitutes a serious violation of federal law. 1. Failure to Investigate and Remove Inaccurate Information : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation within 30 days of receiving a dispute and remove any information found to be inaccurate or unverifiable. To date, the disputed items remain on my credit report despite no evidence of their accuracy. 2. Failure to Notify Investigation Results : As required by 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), Equifax must provide notice of the results of the investigation within five business days after its completion. I have not received any such notification. 3. Reporting Inaccurate Information : Equifax, is obligated under 15 U.S. Code 1681e ( b ) to ensure maximum possible accuracy in consumer credit reports. The continued presence of inaccurate information demonstrates a failure to meet this standard. 4. Non-Compliance with Metro 2 Reporting Standards : Equifax, failed to apply the required Metro 2 reporting codes, such as XXXX  ( " Account Information Disputed by Consumer Under FCRA '' ) and QF ( " Fraud Investigation Complete Fraud Confirmed '' ), which would have ensured the accurate handling of my disputes. Why This Constitutes Willful Non-Compliance : Equifax actions reflect a blatant disregard for federal laws designed to protect consumers. These actions fall under 15 U.S. Code 1681n, which holds credit reporting agencies liable for willful non-compliance with the FCRA. The failure to remove inaccurate information has caused me : Financial Harm : My credit score has been negatively impacted, leading to the denial of financial opportunities. Emotional Distress : The presence of inaccurate information has caused significant stress and anxiety. I would like to Facilitate the permanent removal of the disputed information from my credit report. Thank you for your attention to this matter. I look forward to a resolution. Request for Settlement : I am open to a settlement of {$10000.00} and deletions of negative accounts below with all inquiries Still on my credit file. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. Account Number : XXXX. Account based on fraud, extortion, Conspiracy, Racketeering, Misrepresentation of a material fact, unjust enrichment, Intentional act of fraud and Civil liability for willful noncompliance with the law.

Company response to consumer: Closed with explanation