Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am writing to formally dispute the following * * unauthorized, fraudulent, and inaccurately reported account * * on my Equifax credit report : * * * XXXX * XXXX Charge Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collection Status ) This account was * * never opened or authorized by me * *. The data being reported is * * incomplete, inaccurate, and unverifiable * *. Furthermore, I have submitted prior disputes, and * * Equifax has failed to respond appropriately * *, which is a direct violation of federal law and industry standards. 

VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) Equifaxs handling of this matter constitutes * * multiple violations * * of the * * Fair Credit Reporting Act ( FCRA ) * * : * * * 15 U.S.C. 1681i ( a ) : * * Equifax is required to * * conduct a reasonable reinvestigation * * of disputed accounts within * * 30 days * *. The account must be * * deleted if the information can not be verified * *, is inaccurate, or incomplete. That is the case here.

* * * 15 U.S.C. 1681e ( b ) : * * You are obligated to ensure the * * maximum possible accuracy * * of the information reported. Continuing to report this account without adequate verification fails that standard.

* * * 15 U.S.C. 1681c-2 ( a ) : * * I have the right to * * block information resulting from fraud or identity theft * *. This account qualifies and should have been removed upon first notice. 

XXXX XXXX COMPLIANCE FAILURES As a nationwide consumer reporting agency, Equifax is required to follow the * * Metro 2 Format * *, established by the * * Consumer Data Industry Association ( CDIA ) * *. Under Metro 2 : * Data must be * * complete, accurate, and verifiable * * * Disputed or fraudulent accounts must be * * flagged with an XB code * * and * * deleted * * if not substantiated * Inaccurate account detailsincluding date opened, balance, and statusmust be corrected or removed Equifaxs failure to apply proper dispute codes or delete this unverifiable account is a * * clear violation of Metro 2 compliance * *, which directly impacts the legal validity of your reporting.

EQUIFAXS DOCUMENTED HISTORY OF VIOLATIONS Equifax has already been * * sued and fined * * for similar consumer violations : * In * * XXXX * *, the * * Consumer Financial Protection Bureau ( CFPB ) * * reported that Equifax * * sent inaccurate credit scores to lenders for millions of consumers * *, affecting mortgages, auto loans, and more. Equifax * * failed to disclose or correct the issue * *, a blatant violation of consumer rights. 
* In * * XXXX * *, Equifax exposed * * personal data of 147 million Americans * * in one of the largest breaches in U.S. history. A * * \ {$570.00} XXXX settlement * * was ordered by the * * FTC * *, * * CFPB * *, and * * 50 state attorneys general * *, citing Equifaxs failure to protect consumers sensitive data and provide accurate credit reports.

Your company 's repeated disregard for consumer protection laws * * mirrors my current experience * *. 


You are now on legal notice. I demand the following : * * * Immediate deletion * * of the XXXX charge account listed above * * * Written confirmation of deletion within 15 calendar days * * If no action is taken, I will : * File a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * * File a complaint with the * * Attorney General of my state * * * Pursue * * civil litigation * * under * * 15 U.S.C. 1681n and 1681o * * for : * * * Statutory damages * * * * * Actual damages * * * * * Punitive damages * * * * * Attorney 's fees and costs * * I have retained records of previous disputes and all communications. If you fail to comply, you will be held fully liable for * * willful and negligent noncompliance * * with federal law. 

* * CC : * * Consumer Financial Protection Bureau Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation