Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Date : XX/XX/year> Complainant : XXXX XXXX. XXXX Address : XXXX XXXX XXXX Complaint Against : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Severe FCRA Violations & Unlawful Reporting of XXXX XXXX XXXX XXXX Account XXXX To Whom It May Concern, This formal complaint is submitted to alert the Consumer Financial Protection Bureau ( CFPB ) of egregious, deceptive, and potentially criminal reporting practices committed by Equifax Information Services , LLC regarding the ongoing publication of a fraudulent and misclassified tradeline from XXXX XXXX XXXX XXXX. 

Despite full deletion of this account by TransUnion and Experian, Equifax has willfully and maliciously continued to report this accountXXXX XXXX XXXX XXXX Account # XXXX an auto loan, when no loan instrument was ever involved. This was a retail installment agreement between a buyer and seller, not a credit facility.

Violations and Claims : 1. FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. Equifax is knowingly misrepresenting a retail installment contract as a loan product.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of errors.

3. FCRA 1681i : Failure to conduct a reinvestigation after dispute filings and furnishers confirming removal with other CRAs.

4. FCRA 1681s-2 ( b ) : Equifax failed to update or delete the tradeline even after disputes and confirmation of deletion by peer CRAs.

5. FTC Act, 15 U.S.C. 45 : Unfair and deceptive acts and practices by knowingly publishing false information.

Severity of the Conduct : This is no mere clerical mistake. Equifax is now operating under a pattern of fraud by reporting a commercial auto loan on my report when no such loan legally exists. This is a retail purchase misrepresented as a financial instrument, which could trigger criminal scrutiny under federal and state fraud and misrepresentation statutes. 

By continuing to publish false data after both Experian and TransUnion have lawfully removed this account, Equifax is acting in bad faith and engaging in a form of credit profiling that defames consumers, sabotages their financial reputation, and potentially exposes the responsible individuals to jail time under consumer fraud provisions. 

Demand for Relief : Immediate deletion of the XXXX XXXX XXXX XXXX account ( # XXXX ) from all Equifax systems. 
Written confirmation of deletion and assurance it will not be reinserted. 
Full disclosure of Equifaxs communications with XXXX XXXX regarding this account. 
Formal audit of the Equifax back-office dispute handlers responsible for keeping this account on file after peer CRAs removed it. 

If Equifax fails to resolve this within 10 days, I will escalate the matter through formal litigation and notify the Federal Trade Commission, Florida Attorney General, and U.S. Department of Justice for potential criminal investigation.

This conduct is unconscionable, unlawful, and wholly unacceptable from a national credit reporting agency

Company response to consumer: Closed with explanation