Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
Credit Bureau Involved : Equifax Financial Institution Involved : XXXX XXXX XXXX XXXX. 
Relevant Accounts : XXXX XXXX XXXX XXXX XXXX ( ending in XXXX and XXXX, now transferred to XXXX and XXXX ) Complaint Details : 1. Inaccurate Reporting of Business Credit Accounts as Personal Accounts XXXX XXXX is inaccurately reporting two business credit card accounts ( XXXX and XXXX ) on my personal credit file, despite these being business accounts. 
I was only an authorized user ( or XXXX ) and never personally liable for these accounts. 
XXXX has failed to provide a signed agreement proving that I am financially responsible for these accounts. 
XXXX transferred and reclassified these accounts ( XXXX and XXXX ) in XX/XX/XXXX to continue reporting them on my personal credit file without my knowledge. Even XXXX executive office could not explain why this was done. 
2. XXXX Unlawful Reclassification of Business Accounts Instead of removing these business accounts, XXXX has falsified data by reclassifying them as " Flexible Spending Credit '' instead of properly identifying them as Business Credit Cards. 
This misrepresentation allows XXXX to bypass disputes and continue reporting these accounts under my personal credit, harming my credit score and financial well-being. 
3. Equifaxs Failure to Investigate & Reliance on System-Generated Responses Equifax has refused to conduct a proper investigation into these inaccurate reports and relies solely on system-generated responses from XXXX. 
I requested Equifax contact XXXX XXXX  by phone, as XXXX had done, to verify that these are business credit accounts. 
Equifax refused and stated that the FCRA does not require them to request supporting documentation, even though XXXX has falsified data in their system. 
4. Denial of My Right to Dispute & Blocked Access to My Credit File I have been blocked from online access to my Equifax credit report since Equifaxs data breach in XXXX, and have only been able to file disputes over the phone. 
Equifax has refused to allow me to escalate my dispute to their corporate office. 
Equifax representatives have assured me that my disputes were filed, but upon follow-up, I was told no dispute had been processed. 
Since the data breach in XXXX, Equifax has blocked me from submitting supporting documentation online or requesting a copy of my credit report onine, requiring me to mail my dispute along with my full Social Security number and ID, which poses a risk of identity theft. 
5. Evidence Provided to Equifax ( Which They Refused to Consider ) Photocopies of the actual credit cards showing that they are XXXX Business Credit Cards. 
Equifaxs own report showing double reporting of the account ending in XXXX and XXXX. 
Proof of XXXX reclassification of these accounts as " Flexible Spending Credit '' instead of Business Credit Cards. 
6. Financial Harm & Request for Compensation Due to Equifaxs failure to investigate and remove these business accounts, my credit score has been severely damaged, leading to financial hardship and foreclosure of my home. 
I have over 100 phone records attempting to resolve this matter, and Equifax has continuously denied me my right to dispute. 
I request financial compensation for damages caused by Equifaxs negligence, including credit damage and financial hardship. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to Conduct a Reasonable Investigation 15 U.S.C. XXXX ( a ) ( 1 ) ( A ) : A credit bureau must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Equifax failed to investigate properly and relied only on automated system responses from XXXX. 
Failure to Consider Consumer-Provided Documentation 15 U.S.C. XXXX ( a ) ( 4 ) : A credit bureau must review all relevant information submitted by a consumer during a dispute. Equifax refused to review the supporting evidence I provided. 
Failure to Provide the Results of an Investigation 15 U.S.C. XXXX ( a ) ( 6 ) ( A ) : A consumer must be provided the results of an investigation within 30 days. Equifax either failed to process my disputes or falsely claimed that no disputes were filed. 
Failure to Maintain Maximum Possible Accuracy 15 U.S.C. XXXX ( b ) : A credit bureau must ensure that all information in a consumers file is accurate. Equifax is reporting XXXX Business accounts as personal accounts without verifying their classification. 
Failure to Properly Block or Remove Inaccurate Information 15 U.S.C. XXXX : Consumers have the right to request the blocking of information that is the result of fraud or inaccurate reporting. Equifax refused to block these accounts even after being presented with evidence of inaccurate reporting. 
Failure to Allow Consumer to Dispute Information Easily 15 U.S.C. XXXX ( a ) ( 2 ) ( A ) : Credit bureaus must provide consumers with a reasonable way to dispute information. Equifax has blocked my ability to submit disputes online and is requiring me to submit sensitive personal information by mail, which exposes me to identity theft. 
Providing Inaccurate Consumer Reports to Third Parties 15 U.S.C. XXXX : A credit bureau may only furnish a consumer report with accurate and properly classified information. Equifax has furnished false information to third parties by classifying business accounts as personal debt. 
Negligent and Willful Noncompliance with the FCRA 15 U.S.C. XXXX & XXXX : Credit bureaus that fail to comply with the FCRA negligently or willfully are liable for damages. Equifaxs refusal to investigate, correct, or block these inaccuracies demonstrates both negligence and willful noncompliance.

Company response to consumer: Closed with explanation