Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report Violation of FCRA To Whom It May Concern, I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report, as required by law.

I recently disputed several accounts on my credit report due to identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted both a police report and an FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting evidence. While the credit bureau acknowledged receipt of my dispute, they have not complied with the legal obligations established by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request to block these fraudulent accounts, the following items still appear on my credit report : XXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681i ( 7 ) Description of Investigation : According to the FCRA, credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this information.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such documentation, the inclusion of erroneous or fraudulent information in credit reports poses a serious risk. Due to the lack of proper verification, I request the immediate removal of this unauthorized information.

Accuracy Compliance 15 U.S. Code 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S.C. 1681i ( a ) ( 5 ), it must be deleted.

Failure to Investigate Accurately 15 U.S.C. 1681i : After submitting my dispute regarding inaccuracies, I did not receive a complete or timely investigation within the 30-day window mandated by law. The results provided did not adequately address the issues raised.

15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be deleted.

Inadequate Compliance Procedures 15 U.S.C. 1681e ( b ) : The credit bureau has not demonstrated that it uses reasonable procedures to ensure the accuracy and completeness of the data provided. I request a detailed explanation of the procedures followed during your investigation.

I hereby demand that the CFPB investigate this matter and take appropriate action to ensure these fraudulent accounts are permanently removed from my credit report. I expect a prompt resolution and would appreciate any guidance regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation