Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax due to their repeated failure to resolve an issue with the XXXX XXXX account ( Acct # XXXX ) that has been improperly reported on my credit file. This issue was originally disputed on XX/XX/2025, and I provided all necessary documentation, including my FTC Identity Theft Report and proof of address, yet Equifax has failed to investigate the account properly and make the necessary corrections. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax was required to conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information within XXXX  days of my original dispute. Instead of complying with this legal obligation, Equifax reinserted the same incorrect XXXX XXXX account on XX/XX/2025, claiming that it was " verified as accurate. '' This is unacceptable and in direct violation of my rights under the FCRA. What makes this situation even more troubling is that on XX/XX/2025, I received a letter from Equifax confirming that the XXXX XXXX account had been deleted from my credit report. However, despite this written confirmation, the account continues to appear on my credit report, which only adds to the confusion and frustration. This contradiction not only damages my credit but also undermines my trust in XXXX ability to handle credit reporting properly. The fact that Equifax continues to report this unauthorized account despite my multiple disputes and the clear evidence provided is both irresponsible and misleading. Additionally, I have sent multiple letters to Equifax, including XXXX on XX/XX/2025, with XXXX tracking number XXXX, which was delivered and confirmed. Yet, despite receiving my letter, Equifax has failed to make the necessary corrections or provide any clarification on why this account continues to appear. This ongoing lack of response is completely unacceptable, and its causing me both financial harm and emotional distress. To make matters worse, I have been unable to file an updated FTC Identity Theft Report due to the FTC website shutdown, which has further hindered my ability to resolve this issue. Despite this obstacle, I have already filed a complaint with the Attorney Generals office, but Equifax continues to ignore its legal obligations. This failure to act is deeply troubling, as its clear that Equifax is violating my rights under the FCRA by continuing to report inaccurate information despite being provided with the necessary documentation to prove that this account is fraudulent. Equifax 's inability to resolve this issue has already caused me significant time and stress, and it continues to damage my credit and financial standing. I am requesting immediate action to delete the XXXX XXXX account from my credit report permanently. Additionally, I demand that Equifax provide full disclosure regarding the method of verification used for this account, including the names and contact information of any furnishers involved in the verification process. This ongoing failure to comply with the FCRA and provide a Method of Verification ( MOV ) for this account is not just an inconvenience, it is a direct violation of my consumer rights. I demand that Equifax immediately delete the XXXX XXXX account from my credit report and provide written confirmation that this has been done. If Equifax does not respond satisfactorily within XXXX calendar days, I will have no choice but to escalate this matter by pursuing statutory damages, actual damages, punitive damages, and attorneys fees as provided under 15 U.S.C. 1681n and 1681o. This is no longer a mere inconvenient it is a direct violation of my rights, and I will pursue every legal avenue available to ensure that this issue is resolved. I expect immediate action on this matter and a prompt response from Equifax. This issue must be addressed without further delay, and I will not tolerate any further inaction.

Company response to consumer: Closed with non-monetary relief