Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Identity Theft Dispute, Re-Insertion Abuse, and Cease & Desist Notice XXXX XXXX XXXX Date : XX/XX/XXXX -- - To Whom It May Concern, I, XXXX XXXX XXXX, am a lawful consumer protected by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a confirmed victim of identity theft and am demanding your immediate attention and compliance with federal consumer protection laws. 

I have disputed the following fraudulent accounts more than ten ( 10 ) times, and they continue to appear on my credit report : XXXX XXXX XXXX {$800.00} ( Reported XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} ( Reported XX/XX/XXXX ) These accounts are not mine. I have never opened or authorized them. Despite being removed after disputes, these accounts keep reappearing under slightly different names, abbreviations, or aliases designed to deceive the system and bypass deletion tracking. This is a blatant abuse of the credit reporting process. 

The furnishers are intentionally manipulating my credit file by : Re-adding the same accounts under alternate names or prefixes Reporting them as new when they are the same disputed accounts Updating the account dates to make them appear recent Using automated response systems to falsely verify accounts during disputes These tactics are used to harass me, degrade my credit score, and avoid legitimate reinvestigation responsibilities. I have observed this pattern repeatedly : after I file a dispute and the item is removed, the same account returns under a different label. This is not a coincidence this is malicious and illegal behavior.

Furthermore, these furnishers are using automated tools, AI systems, or software to generate instant responses to disputes, falsely stating the data is verified. No human is reviewing the dispute. No real investigation is being done. These systems are merely programmed to respond within the 30-day FCRA deadline to block deletion. Th
at is not a lawful reinvestigation under FCRA 1681i it is fraud.

The three credit bureaus Equifax, TransUnion, and Experian are knowingly accepting these automated responses without accountability. This makes them complicit in the ongoing abuse of consumer rights.

-- - Legal Notice and Final Demand Let this serve as final notice to : 1. Immediately and permanently delete the following accounts from my credit file : All accounts from XXXX XXXX XXXX All accounts from XXXX XXXX XXXX and any variation thereof 2. Cease all reporting, re-reporting, renaming, or updating of these accounts 3. Immediately notify Equifax, TransUnion, and Experian that these items must be deleted and may not be reinserted in any form 4. Confirm deletion in writing and cease all further contact or collection -- - If You Fail to Comply : I will proceed with : A federal lawsuit for FCRA and FDCPA violations Official complaints filed with the CFPB, FTC, and the Florida Attorney General Legal actions for damages, punitive relief, and attorneys fees This letter is also a formal cease and desist notice under the FDCPA. Any attempt to reinsert these accounts in any name or format will constitute willful noncompliance, and I will take full legal action. 

You are knowingly harming my credit and future. I demand full resolution now. 


-- - Sincerely, XXXX XXXX XXXX Date of Birth : XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation