Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a confirmed victim of identity theft. My personal information was compromised during the XXXX Equifax Data Breach, which has resulted in multiple fraudulent accounts and collections being reported under my name On XX/XX/XXXX, I submitted disputes to Equifax and Experian, attaching my FTC Identity Theft Report ( Report No. XXXX ) and supporting documentation, including my drivers license and Social Security card. I made it explicitly clear that under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ), unverifiable and fraudulent information must be permanently deleted.

2. Fraudulent Accounts Reported The following accounts were fraudulently opened without my knowledge or consent : XXXX XXXX ( Acct. No. XXXX ) {$1300.00} XXXX XXXX XXXX ( Acct. No. XXXX ) {$4500.00} XXXX XXXX ( Acct. No. XXXX ) {$3400.00} XXXX XXXX ( Acct. No. XXXX ) {$700.00} All four accounts were opened around XX/XX/XXXX and reported as derogatory tradelines across different credit bureaus 3. Violations by Credit Bureaus Despite providing valid FTC Identity Theft documentation, credit bureaus failed to promptly delete the fraudulent accounts. Instead, they : Reported inconsistent and contradictory data fields ( e.g., XXXX tradeline listed as both closed and charge-off ). 
Continued furnishing inaccurate balances, dates of last activity, and payment histories. 
Failed to conduct a reasonable reinvestigation as required under FCRA 1681i.

Reported unverifiable information in violation of FCRA 1681e ( b ) ( requirement of maximum possible accuracy ).

4. Violations by Furnishers ( Debt Collectors/Creditors ) Each furnisher ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) is in violation of : FDCPA 809 ( b ) : Failure to provide validation of debt despite written requests.

FCRA 1681s-2 ( b ) : Failure to reasonably investigate disputes forwarded by consumer reporting agencies. 
XXXX XXXX Compliance Standards : Inconsistent account statuses, payment histories, and credit line coding 5. Harm Suffered As a direct result of these violations : My credit reputation has been unlawfully damaged.

I have been subjected to emotional XXXX, financial harm, and reputational injury.

I remain at ongoing risk due to continued reporting of fraudulent ac
counts despite proper notice.

6. Requested Relief I respectfully request the CFPB to : Order Equifax and Experian to permanently delete the fraudulent tradelines. 
Require the furnishers ( XXXX, XXXX, XXXX XXXX XXXX, XXXX ) to cease collection and correct their reporting.

Impose penalties for willful noncompliance under FCRA 1681n, 1681o.

Ensure all accounts are marked in dispute due to identity theft until fully removed.

Confirm deletion in writing within 30 days.

7. Supporting Documentation Attached are the following exhibits : FTC Identity Theft Report ( No. XXXX ) Drivers License & Social Security Card ( for verification only, not for retention ) Equifax & Experian dispute letters dated XX/XX/XXXX Detailed breakdown of each fraudulent tradeline

Company response to consumer: Closed with explanation