Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Request for Deletion of Inaccurate XXXX and XXXX XXXX XXXX from Equifax Credit Report ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request your immediate assistance regarding two accounts currently reporting on my Equifax credit report, which I believe are being reported in error, in violation of federal consumer protection laws, and without full legal compliance under the Fair Credit Reporting Act ( FCRA ). 
Accounts in Dispute : XXXX. XXXX XXXX balance : {$9000.00} XXXX. XXXX XXXX XXXX balance : {$7100.00} These accounts are causing serious and ongoing harm to my credit profile and financial standing. I have reason to believe that the information reported is inaccurate, unverifiable, or was reported without proper legal authority or full consumer authorization. 

Cited Violations of FCRA and Related Laws : 1. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies, including Equifax, are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumers credit report. If XXXX or XXXX XXXX can not verify and validate the information being reported, it must be deleted.

2. 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Any party that negligently fails to comply with the FCRA is liable for damages. Continuing to report inaccurate or unverified accounts without full reinvestigation meets this definition. 

3. 15 U.S.C. 1681b ( 2 ) Permissible Purpose Requirements This section governs who can access and furnish information on a consumer. If either XXXX or XXXX XXXX submitted or updated account data to Equifax without a permissible purpose or valid consent, this constitutes a violation of federal law. 

4. 31 U.S.C. 5118 Legal Tender and Discharge of Obligation While not typically applied in mainstream credit reporting, this statute supports the premise that lawful payment and financial obligations must be honored and reflected accurately, without unlawful continuation of invalid or discharged claims.

Requested Relief from the CFPB : I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX and XXXX XXXX regarding the validity and legal basis for reporting these accounts to Equifax 2. Determine whether the information can be lawfully verified with proper documentation and permissible purpose 3. Direct Equifax to permanently delete both accounts if they are found to be unverifiable, inaccurate, or improperly reported 4. Ensure compliance with FCRA and other applicable federal laws, and take enforcement action where necessary These two accountsreporting balances of {$9000.00} and {$7100.00} respectivelyhave caused unjustified harm to my credit profile and may be legally and factually flawed. I have attempted to resolve the matter through dispute channels and now seek the CFPBs help in removing these accounts permanently from my Equifax credit file. 

Thank you for your attention to this matter and for protecting consumer rights. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief