Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information that has repeatedly appeared on my credit report. On XX/XX/XXXX, I initially contacted Equifax regarding unfamiliar and incorrect items on my report. Despite multiple transfers, I was ultimately informed that I could not dispute these items. However, on XX/XX/XXXX, I submitted a written dispute regarding these inaccuracies. Following my dispute, the item in question was removed from my credit report, only to reappear recently. 
Upon contacting Equifax again, I was advised to submit another dispute. I promptly did so, yet to my surprise, the item was verified as accurate the very next day. I request clarification on how this verification was conducted without my signature on a wet contract or any associated payment history. Furthermore, no documentation containing my personal information has been provided to substantiate this claim. Despite these critical discrepancies, this inaccurate item continues to be reported on my credit file. 
I refuse to make payments on an account that does not belong to me. This situation is deeply concerning, as it suggests my disputes are being unjustly disregarded, causing significant stress and damage to my financial standing. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), a credit bureau must investigate disputes within 30 days, or the disputed item must be removed from the report. This matter has now extended beyond XXXX years, and the item has simply been re-added under a different name. This constitutes a clear violation of my rights under the FCRA. 
I demand the immediate and permanent removal of these inaccurate accounts from my credit report. If this issue is not rectified promptly, I will have no choice but to pursue legal action for the distress and financial harm this has caused me. Additionally, my personal information was compromised in the Equifax data breach, raising further concerns that my data may have been misused. This underscores the need for a thorough investigation.

In accordance with the Fair Credit Reporting Act ( FCRA ), I highlight the following violations : 15 U.S.C. 1681 Section 602 ( A ) My right to privacy has been violated by the continued reporting of this account.

15 U.S.C. 1681 Section 602 ( A ) ( 2 ) No consumer reporting agency may furnish an account without my explicit written consent, which I never provided.

15 U.S.C. 1681c ( a ) ( 5 ) Adverse information over seven years old can not be reported. The account from Education Computer Systems dates back to XXXX and is now being reported in XXXX, despite no payment history for over 22 years. This is a clear violation of the statute of limitations. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A data furnisher must not provide inaccurate information to any consumer reporting agency, particularly if they know or have reasonable cause to believe the information is inaccurate. 
Given these violations, I demand that this erroneous account be permanently removed from my credit report. I request a written confirmation of this removal within 15 days of receipt of this letter. Failure to comply will result in further action, including legal proceedings and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
I appreciate your immediate attention to this serious matter. Please respond in writing to confirm the corrective action taken.

Company response to consumer: Closed with explanation