Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Subject : Final Complaint Against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations, Fraudulent Account, and Misreporting To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXXXXXX, XXXX. and XXXX XXXX XXXX XXXX XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a fraudulent and unauthorized credit account, despite multiple disputes, police reports, and valid supporting documentation. 

Account Information : Creditor : XXXXXXXX XXXX XXXX Account Number ( partial ) : XXXX XXXX XXXX Original Date Opened ( previously reported ) : XX/XX/XXXX Date of Last Payment ( previously reported ) : XX/XX/XXXX Date of Last Activity / Charge-off : XX/XX/XXXX Last Reported Date ( previously ) : XX/XX/XXXX Current Balance : {$1000.00} Credit Limit : {$750.00} Credit Utilization : 144 % Status : Closed / Charged-off Remarks : Consumer disputes reinvestigation in progress Why This Account is Fraudulent : I did not open or authorize this account, and no credit inquiry tied to XXXX XXXX or XXXX appears on my credit report. 
XXXX confirmed that orders were shipped to an address that is not my residence, has never appeared on my credit report, and is the location where the identity theft occurred. 
As required by law enforcement, I filed the police report using the incident location, which does not validate it as my personal residence. 
I submitted a police report, FTC IC3 complaint, proof of my actual address, and identity theft documentation all of which were ignored. 
I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, and never received or authorized any transactions with this account. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX failed to conduct a reasonable investigation and ignored the evidence I provided. Their reliance on e-OSCAR and superficial address/phone matches does not meet the legal requirement to fully review all relevant information.

2. FCRA 15 U.S.C. 1681i ( a ) : After failing to verify the account, they were required to delete the disputed information. They continue to report it monthly, despite it being unverifiable and fraudulent.

3. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX is reporting inaccurate information by : Altering the date of last payment from XX/XX/XXXX to XX/XX/XXXX. 
Changing or refreshing the reporting/last activity dates, which is misleading and harmful. 
Re-aging the account monthly despite it being closed/charged-off. 

Reporting Discrepancies Noted : Field Originally Reported Now Reporting Discrepancy Date Opened XX/XX/XXXX ( Unchanged ) No Last Reported Date XX/XX/XXXX Updated monthly Yes Date of Last Activity XX/XX/XXXX Changed inconsistently Yes Date of Last Payment XX/XX/XXXX Now listed as XX/XX/XXXX Yes Credit Utilization Not previously shown Now 144 % of {$750.00} limit Yes These manipulations appear intentional and may constitute willful noncompliance under FCRA 1681n. 

Final Legal Warning : This is my final good faith request for deletion. If this matter is not resolved promptly, I will take the following actions : File a lawsuit against XXXX XXXX  XXXX, XXXX. and XXXX XXXX XXXX under FCRA 1681n and 1681o.

Seek statutory, actual, and punitive damages. 
Notify the FTC, state attorney general, and relevant oversight bodies. 
Publicize this issue on public consumer advocacy platforms. 

Requested Resolution : XXXX. XXXX deletion of the XXXXXXXX XXXX  account from all consumer credit reports.

2. Full documentation of the investigative process, methodology, and any third-party verifications relied upon.

3. Cease all future reporting and remove all inaccurate or misleading data. 

Documentation Available Upon Request : Police Report FTC IC3 Complaint Proof of Address ( XXXX XXXX XXXX XXXX, XXXX XXXX ) CFPB Responses from XXXX XXXX  Screenshots showing date/reporting discrepancies Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation