Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a formal demand for immediate escalation and regulatory enforcement. I am not submitting this complaint simply for documentation I am submitting it because Equifax has blatantly violated federal law, ignored its obligations under the FCRA, and continues to harm me financially and reputationally. Your role is to enforce the law, not just forward complaints. I expect action.Today, a representative even asked me if I knew the person whose name was previously on my credit file a name they had already been deleted. That question confirms this is still a mixed file and proves they have not resolved the issue. 
I do not owe Equifax any further explanations. The inaccurate name and address were deleted. That alone invalidates every account tied to them. I have submitted disputes, proof, and identification multiple times. At this point, any continued questioning or delay is harassment and obstruction. 
Summary of the Misconduct : Equifax acknowledged in writing that my credit file was mixed, specifically identifying the address XXXX XXXX XXXX, XXXX IL XXXX as false and marking it as MIXED. They also deleted inaccurate names such as XXXX XXXX that was not associated with me I am no longer obligated to prove the accounts are not mine. Equifax already deleted the false name and address associated with those accounts, which means the data is legally invalid. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the burden is on Equifax to verify or delete. If they can not verify the accounts under my correct identity, they must be removed no further justification is required.

Yet after that clear admission : Equifax continued reporting multiple derogatory accounts that were attached to the mixed file. 
They removed the mixed file label from my report without deleting the accounts tied to the proven false identity. 
These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX bank Several auto loans and charge-offs tied to that deleted address This is a formal demand for immediate escalation and regulatory enforcement. I am not submitting this complaint simply for documentation I am submitting it because Equifax has blatantly violated federal law, ignored its obligations under the FCRA, and continues to harm me financially and reputationally. Your role is to enforce the law, not just forward complaints. I expect action. 
After admitting to a mixed file, Equifax removed the mixed file label from my record after deleting those identifiers. Thats called cover-up behavior. They are now trying to claim the accounts are legitimate while updating them in real time, even though those same accounts were directly tied to the identity they already admitted did not belong to me.

Then, Equifax reinserted the deleted address into my file in order to falsely verify at least one of the accounts, and deleted it again after I caught themand I have time-stamped proof of this manipulation. Thats not just a technicality. That is an intentional reinsertion of disputed, deleted, and false information, without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This is not just a mistakeits a pattern of deceptive reinvestigation practices. Equifax emailed me on XX/XX/XXXX and XX/XX/XXXX telling me to contact the creditors ( World Acceptance and XXXX XXXX XXXX ) myself while they continue to update the accounts during a dispute. That violates the FCRAs dispute obligations. I never received mail from those companieshow are they allegedly verifying or contacting me? 
I believe XXXX actions are retaliatory. After I told a representative named XXXX that I was pursuing legal action Equifax then emailed me on XX/XX/XXXX and XX/XX/XXXX telling me to contact the furnishers directly ( XXXX XXXX XXXX and XXXX XXXX XXXX ) while updates were still being made to the accounts. If these accounts are in active dispute or under reinvestigation, they should not be updated or reported with new activity without sending updated notices or letterswhich I never received. These furnishers do not even have my correct legal address, and I never received any communication from them. 
I am formally requesting that this complaint be escalated to a CFPB supervisor or enforcement team. My case has not been handled properly, and I have reason to believe Equifax is manipulating the process behind the scenes. A Tier XXXX representative named XXXX from XXXX XXXX XXXX Consumer Affairs even said to me directly : How do you know were not already talking to the CFPB? That statement alone raises serious concerns about backdoor communication, lack of transparency, and potential regulatory evasion. 
Despite submitting certified documentation, identity verification, and repeated complaints, I have only received scripted, generic responses while Equifax continues to update and manipulate the file off record. This includes re-inserting a deleted address, continuing to report accounts tied to a proven mixed file, and then removing the mixed file label after they got caught. 

These are not good-faith actionsthey are deceptive tactics that warrant real regulatory enforcement, not more forwarding of messages. I demand this be treated as a serious violation of the Fair Credit Reporting Act and escalated immediately. My rights are being ignored, and I am suffering continued harm as a result. 
This behavior amounts to willful noncompliance and retaliation. I believe the Equifax representative named XXXX retaliated against me after I cited my legal rights and said I would sue. Ever since, Ive witnessed Equifax doubling down on shady behaviors This is not a matter for casual review. It is a formal demand for federal enforcement. Equifax has violated 15 U.S.C. 1681i and 1681e ( b ), and I am demanding immediate deletion of all accounts tied to the previously deleted identity information and full regulatory investigation of XXXX conduct. 
XXXX. I am demanding not requesting Immediate removal of all accounts tied to the deleted mixed file information, including but not limited to World Acceptance, XXXX XXXX XXXX, and XXXX XXXX Bank. 
XXXX. Full audit of XXXX reinvestigation process due to deceptive removal of the mixed file label post-dispute. 
XXXX. Investigation into whether Equifax disclosed or improperly shared my address with furnishers after previously admitting identity discrepancies. 
XXXX. XXXX regulatory enforcement. If this complaint is not resolved promptly, I will escalate the matter directly to the FTC, my state Attorney General, and pursue civil action under XXXX U.S.C. XXXX and XXXX for willful and negligent violations of the FCRA. 

The CFPB can not allow Equifax to manipulate evidence, mislead consumers, and shift liability back onto the victim. I demand immediate regulatory intervention and resolution of this case. 

I am Attaching evidence as proof of the mix file and the accounts tied to it .and all the misconduct that Equifax has done Violations Committed : XXXX U.S.C XXXX XXXX ( b ) : Failure to maintain accuracy by retaining data tied to known inaccurate identifiers XXXX XXXX. XXXX ( a ) : Failure to conduct a proper reinvestigation or delete unverifiable information XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Deleting identifiers but continuing to verify accounts without basis Willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX You now have a duty to act. 

The CFPB has been notified of these exact violations through multiple complaints. The evidence I submitted including screenshots from XXXX own disclosures is irrefutable. If you allow Equifax to continue backdoor tactics, stall removals, and maintain mixed-file damage, you are enabling the violation of the same.. 

Respectfully, XXXX XXXX XXXX XXXX Ending in : XXXX XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief