Consumer complaint received 2025-04-10 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:
I am filing this incensed complaint against Equifax for their reprehensible, intentional, and unconscionable violations of federal law in continuing to report the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. I have been relentlessly disputing this account since XX/XX/XXXX, with disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, unequivocally proving this account is a result of identity theft. Yet, Equifaxs stubborn refusal to remove this account, despite irrefutable evidence, has inflicted catastrophic financial harm, emotional distress, and obliterated my ability to establish or maintain credit. Equifaxs actions are a flagrant, egregious violation of multiple federal laws, and I demand the CFPB take immediate action to force Equifax to remove this account, hold them accountable for their gross negligence, and compensate me for the irreparable damage they have caused. 

Inaccuracies in Reporting Equifaxs reporting of the XXXX XXXX XXXX account is riddled with blatant inaccuracies that have devastated my credit profile : Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as documented in my FTC Identity Theft Report. Equifax continues to report this account as mine, with an original balance of {$540.00}. 
Incorrect Fraudulent Amount : I reported a fraudulent amount of {$400.00} in my FTC Identity Theft Report, but the credit report lists an original balance of {$540.00}, which is inaccurate. 
Incorrect Payment History : The account shows late payments ( 30, 60 days ) in XXXX, which I did not make because I never opened or used this account. 
Misleading Status : The account is marked as paid from collateral, despite being fraudulent, and should not be on my report. 
Failures in Verification Process Equifaxs verification process is a complete sham, demonstrating a willful disregard for their legal obligations : I have disputed this account XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), yet Equifax has failed to remove it or provide any credible evidence of verification. 
Equifax has refused to disclose how they verified this account with XXXX XXXX XXXX despite my requests. 
Equifaxs failure to block this information after receiving my FTC Identity Theft Report is a shocking display of negligence.

Legal Violations Equifaxs actions constitute multiple, egregious violations of federal law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation within 30 days of my disputes.

15 U.S. Code 1681i ( a ) ( 5 ) : Equifax failed to delete unverifiable information.

15 U.S. Code 1681i ( a ) ( 6 ) : Equifax failed to provide a description of the reinvestigation process despite my requests.

15 U.S. Code 1681c-2 : Equifax failed to block information resulting from identity theft.

15 U.S. Code 1681b ( 2 ) : Equifax is reporting inaccurate information.

15 U.S. Code 1681b ( 5 ) : Equifax lacks a permissible purpose to report this account.

Fair Credit Billing Act ( FCBA ) : Equifax has failed to correct billing errors, such as the incorrect {$540.00} balance.

Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect balance, Equifax misrepresents the terms of credit.

Consumer Financial Protection Act ( CFPA ) : Equifaxs refusal to remove this account constitutes an unfair and deceptive practice.

Harm Caused Equifaxs willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly destroyed, plummeting due to this fraudulent accounts presence and false late payments.

I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability.

The emotional distress caused by Equifaxs actions is unbearableI have suffered severe anxiety, frustration, and sleepless nights. 
I have spent countless hours disputing this account, gathering evidence, and filing complaints. 
Requested Action I demand that the CFPB take immediate and decisive action against Equifax : Immediate Removal of the Account : Order Equifax to remove the XXXX XXXX XXXX account from my credit report immediately.

Investigate Verification Failures : Launch a thorough investigation into Equifaxs sham verification process.

Impose Severe Penalties : Hold Equifax accountable for their violations, including statutory damages of {$1000.00} per violation under 15 U.S. Code 1681n.

Compensate for Devastating Harm : Require Equifax to compensate me for the financial harm, emotional distress, and loss of opportunities.

Equifaxs actions are a deliberate assault on my rights, and I will not tolerate their predatory behavior any longer. The CFPB must act swiftly to force Equifax to remove this account and hold them accountable.

Company response to consumer: Closed with explanation