Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing a formal complaint against Equifax Information Services, LLC for the continued reporting of an inaccurate and fraudulent account listed as XXXX XXXX XXXX XXXX XXXX. Despite multiple disputes and notification of identity theft, Equifax has failed to follow the procedures required under the Fair Credit Reporting Act ( FCRA ). 
I disputed this account over the phone on XX/XX/XXXX with an Equifax representative named XXXX dispute number ( XXXX ), and again on XX/XX/XXXX with a representative named XXXX. ( XXXX ) about how this account was changing there statue 2 or 3 times in one month causing severe lost in almost XXXX points in 30 days. 
During both disputes, I was assured the account would be investigated properly and that I would receive details of the verification process. This did not occur. 
The account continues to report inaccurately, and Equifax has not provided any documentation showing, how the furnisher verified the account, what documentation was used, whether the furnisher confirmed identity or account ownership, whether any fraud procedures were followed. 

I specifically noted that this account is tied to inaccuracies Nor did they comply with FCRA procedures for identity theft victims A. 15 U.S.C. 1681i Failure to Reinvestigate Under 1681i, Equifax must conduct a reasonable reinvestigation when a consumer disputes information. 
Equifax has instead : Reinserted or continued reporting unverified information Failed to provide notice of the procedure used to determine the accuracy and completeness of the information Failed to delete inaccurate or unverifiable data within the required timeframe This is a violation of my rights under 1681i ( a ) ( 6 ) ( B ), which requires that Equifax provide a detailed description of how the furnisher verified the information. 

B. 15 U.S.C. 1681b Permissible Purposes & Unlawful Furnishing of Information Equifax must ensure that no information is furnished or reported unless there is a permissible purpose under 1681b. 

By continuing to report an account that : I disputed multiple times I reported as identity theft The furnisher failed to verify Equifax is allowing information without a permissible purpose to remain on my consumer report. 
Reporting fraudulent or unverified data violates the permissible purpose limitation under 1681b, because inaccurate/fraudulent information can not legally be furnished or circulated as part of a consumer report. 

This constitutes unlawful reporting and non-compliance with federal law. 

4. Demand for Remedy Due to Equifaxs failure to comply with FCRA requirements and its negligence in handling this dispute, I demand the following : Immediate deletion of the XXXXXXXX XXXX XXXX XXXX XXXXXXXX account from my Equifax consumer file. 

A full written explanation of the verification steps taken, including the specific documentation allegedly used to verify the account. 

Confirmation that all fraudulent/identity theftrelated information associated with this account has been permanently removed. 

Assurance that the furnisher will not reinsert unverifiable information without full FCRA-compliant certification. 

Because Equifax has continued to report fraudulent information, I have suffered : Damage to my credit reputation i've lost XXXX point and counting. 

Increased financial risk and potential denial of credit opportunities Emotional distress and ongoing inconvenience

Company response to consumer: Closed with explanation