Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
his letter is my third and final formal notice demanding the immediate deletion of the fraudulent XXXX XXXX account ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit report. You have now been notified multiple times that I am a victim of identity theft and that this account does not belong to me. Despite this, you have continued to report the account in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Timeline of Previous Disputes XX/XX/XXXX Initial dispute submitted CFPB Complaint # : XXXX XX/XX/XXXX Second dispute submitted CFPB Complaint # : XXXX XX/XX/XXXX FTC Identity Theft Report filed FTC Report # : XXXX You are now in willful noncompliance with multiple sections of the FCRA and XXXX. 
Account Details Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$500.00} This account was fraudulently opened without my knowledge or consent. I have submitted a valid FTC Identity Theft Report, sworn statement, and multiple disputesall ignored or mishandled by your agency. 

Violations of Federal Law 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Block Requirement You are required to block and delete all fraudulent information within 4 business days of receiving a valid FTC report and identity proof. You have failed to do so.

2. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Disputes Your previous verification ignored clear data inconsistencies and unresolved contradictions. This is not a proper reinvestigation under the law.

3. FCRA 623 ( a ) ( 1 ) ( A ) Accuracy in Reporting You have failed to ensure data accuracy and are knowingly reporting false, outdated, and conflicting information.

4. FCRA 623 ( b ) ( 1 ) Duty to Correct or Delete You are required to delete unverifiable information following a dispute. You have not done this.

5. FCRA 607 ( b ) Maximum Possible Accuracy The accounts status, payment dates, and history are all conflicting or unverifiable, violating your duty to follow reasonable procedures.

6. FCRA 602 ( a ) Fair Treatment Your continued failure to correct and delete fraudulent data is unjust and unlawful under this provision.

7. FACTA Red Flags Rule The presence of identity theft indicators ( fraud alert + FTC report ) requires immediate action. You have failed to respond appropriately.

8. FCRA 1681n and 1681o Civil Liability You are now subject to liability for willful and/or negligent violations of federal law, including the right to sue for actual and punitive damages. 
Inaccuracies and Contradictions Last Payment Date : TransUnion : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX Account Status : XXXX : XXXX / Charged-off Equifax : Derogatory / Profit & Loss Write-off Worst Payment Status : XXXX : XXXX Equifax : 6089 Days Late Highest Balance Reported : Equifax : {$500.00} XXXX : No Info Excessive Negative Reporting : XXXX late months reported XXXX a XXXX loan Charge-offs reported after account closure Final Demand I am no longer requesting a reinvestigation. I am now formally demanding permanent deletion of this fraudulent XXXX XXXX account under FCRA 605B. I demand the following : 1. Immediate and permanent deletion of the XXXX XXXX account 2. A written confirmation that the account has been removed and blocked 3. An updated copy of my credit report showing the correction 4. Notification to all third parties that accessed my file in the past XXXX  months ( per FCRA 1681i ( d ) )

Company response to consumer: Closed with explanation