Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XX/XX/year> EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : FINAL FCRA DEMAND PERMANENT DELETION OF FRAUDULENT & INACCURATE XXXX XXXX  ACCOUNT Account Number : XXXX To Whom It May Concern, This is a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requiring Equifax to immediately block and permanently delete the fraudulent and inaccurately reported XXXX Bank account listed above. 

1. Identity Theft Block Required Under 15 U.S.C. 1681c-2 ( a ) I have submitted to Equifax, on multiple occasions, both a Federal Trade Commission ( FTC ) Identity Theft Report and a police report, as required by law. Under 15 U.S.C. 1681c-2 ( a ), Equifax is required to block and permanently delete all information resulting from identity theft within 4 business days of receiving proper documentation. Despite full compliance on my part, Equifax has refused to block or remove this account. 

2. Factual Inaccuracies and Incomplete Information I am formally disputing the continued reporting of this account under 15 U.S.C. 1681i ( a ). The XXXXXXXX XXXX  tradeline appearing in my Equifax credit file contains multiple material inaccuracies and incomplete information, including : Incorrect account status : This account is being falsely reported as charged off, despite the fact that I never opened or authorized it. 
Erroneous charge-offs in the payment history : The month-by-month payment history inaccurately reflects erroneous charge-off notations, which are highly derogatory and damaging. These charge-offs are entirely false and not based on any legitimate or authorized account activity. 
Inaccurate balances and date of last activity : The reported balance and account activity timelines do not correspond to any real or verifiable account I have ever had. 
Incomplete data : The tradeline lacks clarity and consistency across fields, further indicating a failure to ensure accuracy. 

This constitutes a clear violation of 15 U.S.C. 1681e ( b ), which mandates that Equifax maintain maximum possible accuracy of consumer information.

3. Failure to Provide Method of Verification and Full Investigation Details After multiple disputes, Equifax has failed to provide the method of verification or complete details of its investigation, including : The name, contact information, and communication logs of the party who verified the account ; The date and time Equifax conducted such verification ; The procedures used to confirm the accounts accuracy.

This lack of transparency violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Unlawful Re-Insertion of Previously Deleted Data Equifax has also deleted and then reinserted the Discover Bank account into my credit report without notifying me in writing within 5 business days, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). Re-insertion of disputed and fraudulent information without proper notice is a blatant FCRA violation and exposes Equifax to legal liability.

5. Legal Demand 5 Days to Comply You are hereby given 5 calendar days from the date of receipt of this letter to block and permanently delete the XXXXXXXX XXXX  account from my Equifax credit report. Failure to comply will result in immediate legal action for : Statutory damages under 15 U.S.C. 1681n ; Actual damages for financial and emotional harm ; Punitive damages for willful noncompliance ; Attorneys fees and court costs under 15 U.S.C. 1681n and 1681o. 

This letter serves as your final notice before litigation. I expect a written response confirming deletion and documentation of all actions taken within 5 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation