Consumer complaint received 2025-10-08 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:
Complaint Summary : This is an update and continuation of my previous CFPB complaints # XXXX and # XXXX. Despite prior filings and documented evidence of identity theft, Equifax continues to report inaccurate, unverifiable, and inconsistent revolving account data on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Background : Equifax has failed to correct or remove accounts previously disputed and identified as inaccurate. These items continue to harm my creditworthiness and cause ongoing damage, even after I submitted proof of identity theft, my drivers license, Social Security card, and FTC Identity Theft Report : Current Issues ( as of Report Date : XX/XX/XXXX ) : XXXX XXXX XXXX XXXX Acct. ending XXXX Reported Balance : {$1200.00} | Credit Utilization : 349 % | Age : 3 yrs 10 mos Issue : Credit utilization exceeds any reasonable credit limit. Equifax has failed to verify or update the reported limit, resulting in materially misleading information. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct. ending XXXX Reported Balance : {$440.00} | Credit Utilization : 148 % | XXXX : XXXX yr XXXX mos Issue : Utilization ratio is mathematically impossible given the balance and account limit. Requesting verification of the reported credit limit and balance accuracy. 


XXXXXXXX XXXX XXXX XXXX XXXX  Acct. ending XXXX ( Closed / Charge-off ) Balance : {$2100.00} | Credit Limit : {$300.00} | Date of First Delinquency : XX/XX/XXXXXXXX  Issue : This account remains despite multiple disputes and Equifaxs failure to provide the original signed contract or any documentation verifying ownership or accuracy, violating FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). 


XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Acct. ending XXXX ( Closed / Paid ) Original Creditor : XXXX XXXX XXXX XXXX  | Balance : {$0.00} | DoFD : XX/XX/XXXXXXXX  Issue : Previously deleted account has reappeared, violating FCRA 611 ( a ) ( 5 ), which prohibits reinsertion of deleted data without written notice to the consumer. 


XXXX XXXX XXXX XXXX XXXX Acct. ending XXXX ( Collection ) Balance : {$540.00} | Original Creditor : XXXX XXXX | DoFD : XX/XX/XXXX Issue : Equifax has failed to verify legal ownership or right to collect. No supporting contract, payment history, or assignment of debt has been provided. 


Violations and Requested Actions : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ).

Reporting unverifiable or previously deleted information in violation of 611 ( a ) ( 5 ).

Willful noncompliance under XXXX for knowingly retaining false or unverifiable data. 


Failure to maintain procedures to ensure maximum possible accuracy under 607 ( b ).

Requested Resolution : Immediate deletion of all unverifiable or previously deleted accounts.

Written confirmation of reinvestigation results, including the name and contact information of each furnisher. E-Oscar is not acceptable An updated Equifax report reflecting deletion or correction of the above accounts.

Referral to the FTC and Florida Attorney General for review of potential FCRA and FDUTPA violations. 


Expedited handling within 5 business days due to ongoing harm and prior unresolved CFPB cases.

Attachments ( available upon request ) : Proof of address and identity documents Identity Theft Report and prior CFPB submissions Equifax report from XX/XX/XXXXXXXX  Summary Statement : Equifax continues to report inaccurate and unverifiable data despite two prior CFPB complaints and full documentation. I am requesting immediate enforcement action, deletion of unverifiable accounts, and compliance review under federal and Florida consumer protection statutes.

Company response to consumer: Closed with non-monetary relief