Consumer complaint received 2025-02-16 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:
I would like to exercise my rights to have XXXX permanently blocked from my credit file. I am filing a formal complaint against Equifax for their continued inaccurate credit reporting, which has resulted in severe financial hardship and emotional distress, including multiple mini strokes. Despite my repeated attempts to resolve this matter, Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ). 

Background : Equifax continues to report a disputed debt as valid, despite my filing several consecutive disputes. These disputes were submitted in accordance with 15 U.S.C. 1666c and 1692, which mandate that disputed debts not be reported until the dispute is resolved. While XXXX has removed the inaccurate information, Equifax refuses to do so. I informed Equifax that XXXX contacted XXXX to verify whether the accounts were business credit cards, and XXXX confirmed they were. I requested that Equifax escalate my dispute by doing the same, but they refused to act. They have only relied on an electronic response with no documentation of proof. 

Equifax has also blocked me from electronically submitting documentation and communication, forcing me to send sensitive information via mail, which significantly increases my risk of identity theft. This is especially concerning given that they are fully aware of my extended fraud alert. 

Equifax has refused to cease reporting this disputed debt while under investigation, despite the significant financial hardship it has caused, including a nearly XXXX drop in my credit score. This has severely impacted my ability to secure financial opportunities. 

Equifax is also reporting a XXXX XXXX  credit card account with a balance of {$13000.00}, for which I am not responsible, despite the creditor having removed me as an unauthorized user. Equifax requires me to file a dispute to remove this account, which is a violation of the FCRA. 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ) has repeatedly misreported business credit cards as flexible spending personal accounts, specifically the accounts ending in XXXX and XXXX. This has led to multiple credit limit reductions, account closures, and a severe drop in my credit score. Despite filing multiple disputes and complaints, Equifax has failed to properly investigate or correct this error. Equifax is also double-reporting the account ending in XXXX as both opened and closed, with the same balance. Please refer to the attached documentation for details. 

Violations : Equifax and XXXX XXXX are in violation of FCRA ( 605B, 611, and 623 ) for failing to properly investigate and correct inaccurate credit reporting. 
Equifax is in violation of 15 U.S.C. 1666c by continuing to report a disputed debt before resolution.

Equifax is in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) for refusing to remove inaccurate information without requiring a formal dispute. 
Equifax is allowing XXXXXXXX XXXX  to violate 15 U.S.C. 1681s-2, which mandates accurate and verifiable reporting to credit bureaus. 
All parties have engaged in unfair and deceptive practices that have caused both financial and emotional harm. 
Supporting Documentation : I have submitted proof with my dispute that the accounts ending in XXXX and XXXX are business accounts. I included a photocopy of the business credit card, which I never opened or applied for ; I was only added as an authorized user by the business. XXXX has refused to send any signed agreement stating that I am responsible for this account. XXXX has only provided a copy of the XXXX XXXX XXXX XXXX XXXX, which validates that it is a business card, not an individual credit card, further showing inaccurate reporting. 

Additionally, I have included a photocopy showing that the account ending in XXXX is being double-reported as both opened and closed, with the exact same balance of {$21000.00}. The account ending in XXXX was added to my credit profile on XX/XX/year>, with no payment history prior to that date, as it is a business credit card that I do not own.

Company response to consumer: Closed with non-monetary relief