Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as a formal dispute, reinvestigation demand, and notice of intent to sue under the Fair Credit Reporting Act ( FCRA ) and Metro-2 Compliance Reporting Standards. 
Upon review of my Equifax credit file, I discovered a XXXX / XXXX credit card account reported with a {$5000.00} limit. I did not authorize, apply for, or open this account. It is fraudulent. 
Despite my identity theft reports and documentation, Equifax verified this item as accurate, which is a direct violation of my consumer rights. Additionally, Equifaxs failure to safeguard personal information during known data breaches further establishes negligence in verifying consumer data. 
FCRA Violations 1. 602 Failure to ensure fair and accurate reporting.

2. 605 ( b ) Failure to delete or correct inaccurate information within 5 business days.

3. 605A Failure to apply heightened fraud alert protocols.

4. 607 ( b ) Failure to maintain procedures for maximum accuracy.

5. 611 ( a ) Failure to reinvestigate using original documentation.

6. 609 ( a ) ( 2 ) Failure to provide complete method of verification.

7. 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

8. 616617 Civil liability for willful and negligent non-compliance ( {$1000.00} per violation ).

Metro-2 Compliance Violations 1. Base Segment Error Improper ECOA and ownership coding.

2. Status Code Violation Fraudulent accounts must be reported as XB Consumer Claims Fraud.

3. Date Mismatch Inconsistent open and last-update dates ( Fields 24 & 25 ).

4. Missing Compliance Condition Code Required D or E condition code omitted.

5. Failure to Suppress Unverified Data Unverified tradelines must be suppressed within 5 business days of dispute.

Proof of Fraud & Negligence - FTC Identity Theft Report # XXXX identifying XXXX XXXX XXXXXXXX as fraudulent. 
- Affidavit of Truth ( attached ). 
- Experian Report : XXXX account removed as fraudulent. 
- Identity IQ Report ID : Confirms fraudulent status. 
- Equifaxs prior data breach compromised personal data.

- Equifax verified this item as accurate despite insufficient evidence.

Affidavit of Truth Equifax XXXX Dispute I, XXXX XXXX, under penalty of perjury, declare : 1. I did not authorize or open the XXXX / XXXX account ( {$5000.00} limit ). 
2. This account is fraudulent and the result of identity theft.

3. XXXX  has deleted this account as fraudulent.

4. My Identity IQ Report ID confirms this account does not belong to me.

5. Equifax verified the item without obtaining signed documentation.

6. I demand immediate deletion within 5 business days per 605 ( b ). 

Invoice of Violations FCRA & Metro-2 Non-Compliance No. Violation Description Statute / Standard Penalty 1 Failure to maintain maximum accuracy FCRA 607 ( b ) {$1000.00} 2 Failure to reinvestigate properly FCRA 611 ( a ) {$1000.00} 3 Failure to delete inaccurate data within 5 days FCRA 605 ( b ) {$1000.00} 4 Failure to apply fraud alert procedures FCRA 605A {$1000.00} 5 Failure to provide method of verification FCRA 609 ( a ) ( 2 ) {$1000.00} 6 Reporting data known to be false FCRA 623 ( a ) ( 1 ) ( A ) {$1000.00} 7 Failure to suppress unverified data Metro-2 2.3.1 {$1000.00} 8 Incorrect status code ( should be XB ) Metro-2 Base Segment {$1000.00} 9 Failure to include compliance code D/E Metro-2 Field 50 {$1000.00} 10 Negligent verification after fraud notice FCRA 616617 {$1000.00} <b>Total Statutory Violations</b> <b> {$10000.00} USD</b>

Company response to consumer: Closed with explanation