Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
This letter is my second formal request for the immediate deletion of the fraudulent XXXX XXXX XXXX account XXXX Acct # : XXXX XXXX XXXX  ) that is still being reported on my credit file. I previously disputed this account on XX/XX/year> ( CFPB # XXXX ), and you responded that the account was verified and reporting correctly. That response is not only inaccurate its a direct violation of multiple federal laws. 
After comparing all three credit reports side by side, Ive found numerous inconsistencies and inaccuracies in the way this account is being reported. I am formally requesting deletion of this account on the basis of identity theft and inaccurate, unverifiable information, in clear violation of federal consumer protection laws. 
Let me be very clear : this account does not belong to me. I am a victim of identity theft. I have attached a Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ) and have filed a report with local law enforcement. Continuing to report this account is unlawful and damaging to me. 
Legal Violations & Grounds for Deletion XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block Requirement You are required to block fraudulent information within XXXX business days of receiving a valid identity theft report, proof of identity, and identification of the fraudulent account. All of these have already been submitted to you. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of Disputed Information Your previous verification failed to correct obvious inaccuracies : Account Names : Equifax : XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX Account Status : Equifax : Paid and Closed Experian XXXX Paid, Closed TransUnion : Closed Delinquency Status Despite " Paid and Closed '' : All three show XXXX Days Late as current and worst payment status, conflicting with " Paid and Closed '' designations Payment History Discrepancies : Equifax : XXXX XXXX on-time with unknown months Experian : Clearly marked XXXX and XXXX days late TransUnion : XXXX % on-time, ambiguous or inconsistent marks XXXX. FCRA 623 ( a ) ( XXXX ) ( A ) Duty to Report Accurate Information Continuing to report this conflicting and demonstrably inaccurate information after being notified of identity theft is a clear violation of your legal obligations. 
XXXX. FCRA 623 ( b ) ( XXXX ) Duty to Investigate Disputed Information You are required to investigate and delete inaccurate or unverifiable information within 30 days. That did not happen. 
XXXX. FACTA Red Flags Rule There is clear evidence of identity theft, which triggers a mandatory obligation under FACTA to flag and protect the consumer. Your failure to block the fraudulent account violates this rule. 
XXXX. 15 U.S.C. 1681n and 1681o Civil Liability for Willful or Negligent Noncompliance If this account is not removed, I reserve the right to pursue legal action under these provisions for actual, statutory, and punitive damages. 
XXXX. FCRA 602 ( A ) Fair and Equitable Treatment The stated purpose of the FCRA is to ensure fair and equitable treatment of consumers. 
Reporting contradictory data across bureaus contradicts this core principle. 
XXXX. FCRA 607 ( b ) Maximum Possible Accuracy Credit bureaus are legally required to ensure maximum possible accuracy. The conflicting names, statuses, and delinquency reporting make clear this standard has not been met. 
Summary of Inaccuracies Fraudulent account ( identity theft victim ) Contradictory creditor names across bureaus Inconsistent statuses : Paid and Closed, Closed, and delinquency labels Delinquent payment marks on a fully paid, closed account Inconsistent payment history data Status conflicts with reported derogatory marks Unverifiable reporting due to name mismatches and timeline errors Final Demand I am not requesting another investigation. I demand the immediate and permanent deletion of this XXXX XXXX XXXX account in accordance with FCRA 605B. Please provide : XXXX. Immediate deletion and blocking of the fraudulent account from my credit file. 
XXXX. A written statement confirming deletion and blocking. 
XXXX. An updated credit report reflecting the change. 
If I do not receive confirmation within XXXX business days, I will submit additional complaints to the CFPB, FTC, and Virginia Attorney General and pursue legal remedies under 15 U.S.C. 1681n & 1681o. 
Thank you for your prompt attention to this matter. I look forward to your swift compliance as required by federal law.

Company response to consumer: Closed with non-monetary relief