Consumer complaint received 2025-12-24 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: DC

Complaint narrative:
I am reporting an account appearing on my consumer credit report that is not mine and can not be verified, despite multiple disputes. I initially and formally disputed this account with Equifax and received a 'Account is Verified and has been updated ' response. Additionally, the agency failed to conduct a reasonable reinvestigation as required by 611 ( a ) ( 1 ) and inconsistent reporting dates across credit bureaus, suggesting improper re-aging. As the account is reported with contradictory information I then requested the Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and received a response stating 'Account is reporting correctly and verified ' and i then requested another Method of verification to only receive the same response. Equifax merely stating the 'Account is verified and reporting correctly and updated ' without providing the source of the information, the verification procedures used, or any documentary evidence. This constitutes a failure to provide a lawful Method of Verification. Equifax has failed to provide information from my consumer file required under FCRA 609 ( a ). Because no verifiable documentation exists linking me to this account it is unverifiable and must be deleted under FCRA 6119a ) ( 5 ) ( A ). Continued reporting of unverifiable information is unlawful. Further, the agency failed to comply with 607 ( b ), which requires reasonable procedures to assure maximum possible accuracy, as demonstrated by material inconsistencies in cross-bureau and internal reporting. I also requested access to my consumer file under 609 ( a ), including all document verification records linking me to said account, which were not provided.

Given the absence of documentation and the potential for identity theft or file-mixing, the agency has also failed to block the account as required by 605B.This pattern of conduct may constitute willful and/or negligent noncompliance under 616 and 617. Your continued publication of unverifiable and inaccurate information has caused ongoing financial harm, emotional distress, and loss of faith in the consumer credit reporting system.Despite multiple disputes and two formal requests for the Method of Verification, you have continued to report this account without producing documentation. As a result, I have suffered credit denials, restricted access to credit opportunities, and damage to my financial reputation, all based on information that remains unverified. Beyond financial injury, this prolonged failure to comply with federal law has caused significant stress, frustration, and emotional distress, as I have been forced to repeatedly defend myself against information that does not belong to me. The continued disregard for statutory duties undermines consumer trust and confidence in the accuracy and reliability of the credit reporting system.This harm is ongoing and will continue unless the account is permanently deleted as required by law.I am requesting CFPB review and enforcement to ensure compliance and permanent deletion of this account. I have also filed an FTC Identity Theft Report to document potential identity theft or file-mixing and request CFPB review and enforcement.

Company response to consumer: Closed with non-monetary relief