Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am a confirmed victim of the XXXX Equifax data breach and subsequent severe identity theft, with my Personally Identifiable Information ( PII ) definitively compromised by Equifax. This is officially documented by the XXXXXXXX XXXX XXXX  ( Report : XXXX ). Despite my verifiable status as an identity theft victim and my relentless efforts to resolve these critical issues, Equifax continues to unlawfully, willfully, and maliciously report XXXX fraudulent accounts on my consumer report : XXXX XXXX XXXX XXXX ( ending XXXX ) and XXXX XXXX XXXX XXXX ( ending XXXX ). 
These accounts were previously DELETED from my Equifax report but were REINSERTED without ANY notice to me, in direct and egregious violation of FCRA 1681i ( a ) ( 5 ) ( B ). This reinsertion, without proper notification or valid verification, is a blatant act of willful noncompliance. 
Equifax has NEVER provided the legally mandated " Method of Verification '' ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), despite my repeated and explicit demands. Their persistent failure to provide this crucial information unequivocally means : * NO identifying party has ever been disclosed by Equifax as the alleged source of this information. 
* NO documentation whatsoever has ever been provided by Equifax to substantiate these accounts or the alleged debts. 
* NO specific means of investigation employed by Equifax has ever been revealed in connection with their purported " verification '' process. 
* Crucially, Equifax has also failed to produce actual contracts, original documentation, or irrefutable proof of a bona fide, actual debt with a wet ink signature from either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
This deliberate and chronic failure to provide any legitimate MOV, coupled with the absence of fundamental proof, constitutes a sham investigation and a fundamental breach of Equifaxs statutory duties. 
Equifax is in undeniable and flagrant violation of multiple federal and state consumer protection laws : * FCRA 1681e ( b ) : Gross failure to assure maximum possible accuracy of my consumer report.

* FCRA 1681s-2 ( b ) : Continued reporting of disputed information without lawful validation or proper reinvestigation.

* FCRA 1681b : Reporting these fraudulent accounts without any permissible purpose. 
* Gramm-Leach-Bliley Act ( GLBA - 15 U.S.C. 6801 et seq. ) : Unlawful dissemination of my nonpublic personal information.

* California Civil Code 1798.93 : Direct and ongoing disregard for identity theft protections.

Furthermore, my Equifax credit report exhibits clear Metro 2 Guideline violations, including improper charge-off codes ( Field XXXX ), re-aged delinquency dates ( Field XXXX ), conflicting payment ratings ( Field XXXX ), and contradictory status comments ( Fields XX/XX/XXXX ). 
Equifax 's conduct is not mere negligence ; it represents willful and malicious noncompliance as defined by the U.S. Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). This deliberate indifference to my rights and their statutory obligations is further evidenced by their history of penalties, including the {$13.00} XXXX fine by the CFPB in XXXX for these exact same patterns of improper reinvestigations and sham verifications where the CFPB found Equifax 's stated Methods of Verification to be false or inadequate. 
I demand the IMMEDIATE AND PERMANENT " KILL SHOT '' DELETION of both the XXXX XXXX XXXX XXXX ( ending XXXX ) and XXXX XXXX XXXX XXXX ( ending XXXX ) accounts from my Equifax consumer report. This must be an irreversible, definitive deletion with no reinsertion or re-aging whatsoever. I also demand full statutory and punitive damages for this egregious and ongoing willful violation of my consumer rights. This matter is urgent, and I expect swift enforcement action and definitive deletion.

Company response to consumer: Closed with explanation