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 complaint against Equifax for their shameful, deliberate, and unconscionable violations of federal law in continuing to report the fraudulent XXXX XXXX account ( Account Number : XXXX ) on my credit report. I have been relentlessly 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, unequivocally proving this account is a result of identity theft. Yet, Equifaxs obstinate refusal to remove this account, despite irrefutable evidence, has inflicted catastrophic financial harm, emotional distress, and obliterated my ability to establish or maintain credit. Equifaxs actions are a flagrant, 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 account is riddled with blatant inaccuracies that have devastated my credit profile : 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 {$760.00} balance written off and a charge-off in XX/XX/XXXX. 
Incorrect Payment History : The account shows late payments ( 30, 60, 120 days ) in XXXX, which I did not make because I never opened or used this account. These false late payments have severely damaged my credit score. 
Misleading Status : The account is marked as purchased by another lender and charged off, despite being fraudulent. This should not be on my report at all. 
Failures in Verification Process Equifaxs verification process is a complete farce, 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  to substantiate the accounts validity. 
Equifax has refused to disclose how they verified this account with XXXX XXXX, despite my requests for this information. 
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. 
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 requests. 
15 U.S. Code 1681c-2 : Equifax failed to block information resulting from identity theft after receiving my FTC Identity Theft Report. 
15 U.S. Code 1681b ( 2 ) : Equifax is reporting inaccurate information by listing this fraudulent account. 
15 U.S. Code 1681b ( 5 ) : Equifax lacks a permissible purpose to report this account, as it is fraudulent and unverifiable. 
Fair Credit Billing Act ( FCBA ) : Equifax has failed to correct billing errors, such as the incorrect {$760.00} balance and charge-off status, despite my disputes. 
Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect charge-off status, Equifax misrepresents the terms of credit, violating TILAs requirement for accurate disclosure. 
Consumer Financial Protection Act ( CFPA ) : Equifaxs refusal to remove this account and their lack of transparency in the verification process constitute unfair and deceptive practices. 
Harm Caused Equifaxs willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly destroyed, plummeting due to this fraudulent accounts presence, false late payments, and charge-off status, completely obliterating my ability to obtain credit, secure loans, or even rent a home. 
I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability. 
The emotional distress caused by Equifaxs actions is unbearableI have suffered severe XXXX, frustration, and sleepless nights, knowing that a fraudulent account continues to destroy my financial future. 
I have spent countless hours disputing this account, gathering evidence, and filing complaints, all while Equifax ignores my pleas and violates my rights. 
Equifaxs actions are a deliberate assault on my rights, and I will not tolerate their predatory behavior any longer. The CFPB must act swiftly to force Equifax to remove this account and hold them accountable for the devastation they have caused.

Company response to consumer: Closed with explanation