Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing once again to formally dispute and demand the immediate and permanent removal of the following fraudulent account from my consumer credit report : XXXX Account ending in XXXX This account has now been removed and reinserted XXXX separate times, each instance occurring without the legally required written notice or documentation. Despite my repeated requests and disputes, I have never been provided with verification of the account, nor have I been disclosed the method used to verify it, both of which are required by law. 

This continued reinsertion without consumer notification or proper verification is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that : 1. The consumer must be notified within XXXX business days of any reinsertion, and 2. The credit bureau must obtain and provide certification from the furnisher that the information is accurate prior to reinserting any previously deleted account.

Additionally, I previously spoke with a fraud representative from your organization by phone during the last dispute of this account and was assured that this account would be both deleted and permanently blocked. Despite this assurance, the account remains on my credit report.

To date, your organization has failed to : Provide any verification of the USAA account as required under FCRA 1681i ( a ) ( 6 ) Disclose the method of verification despite multiple written requests Obtain and share certification from USAA confirming the accuracy of the information Conduct a reasonable reinvestigation of this fraudulent claim In contrast, Experian has complied with federal law and permanently blocked this account under FCRA 1681c-2 ( a ) after receiving the following documentation from me : A copy of my government-issued ID Proof of current address A signed FTC Identity Theft Report A police report A signed affidavit of identity theft Equifax 's ongoing failure to block and remove this fraudulent accountdespite receiving all required documentationconstitutes a willful violation of your responsibilities under federal law and has caused measurable harm to my credit standing and personal finances.

Therefore, I am demanding the following : 1. The immediate and permanent deletion of the USAA account from my Equifax credit file 2. A written explanation detailing the steps your organization has taken in this reinvestigation 3. Copies of all documentation provided by USAA used to verify or reinsert this account If these demands are not met within 15 calendar days of the date of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office. I also reserve the right to pursue civil action under FCRA 1681n and 1681o, which entitles me to statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance. 

I look forward to your prompt and lawful response. 

Sincerely, XXXX XXXX XXXX FTC Report # XXXX

Company response to consumer: Closed with explanation