Consumer complaint received 2025-06-24 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:
Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report Violation of FCRA To Whom It May Concern, I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report, as required by law.

I recently disputed several accounts on my credit report due to identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted both a police report and an FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting evidence. While the credit bureau acknowledged receipt of my dispute, they have not complied with the legal obligations established by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request to block these fraudulent accounts, the following items still appear on my credit report : Fraudulent Accounts to Be Removed : XXXX Account Name : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  / Open : XX/XX/XXXX / Balance : {$4800.00} XXXX Account Name : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX / Open : XX/XX/XXXX / Balance : {$4600.00} XXXX Account Name : XXXX  / Account Number : XXXXXXXX XXXX XXXX / Open : XX/XX/XXXX / Balance : {$23.00} Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C. 1681i ( 7 ) Description of Investigation : According to the FCRA, credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this information.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such documentation, the inclusion of erroneous or fraudulent information in credit reports poses a serious risk. Due to the lack of proper verification, I request the immediate removal of this unauthorized information.

Accuracy Compliance 15 U.S. Code 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S.C. 1681i ( a ) ( 5 ), it must be deleted.

Failure to Investigate Accurately 15 U.S.C. 1681i : After submitting my dispute regarding inaccuracies, I did not receive a complete or timely investigation within the 30-day window mandated by law. The results provided did not adequately address the issues raised.

15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be deleted.

Inadequate Compliance Procedures 15 U.S.C. 1681e ( b ) : The credit bureau has not demonstrated that it uses reasonable procedures to ensure the accuracy and completeness of the data provided. I request a detailed explanation of the procedures followed during your investigation. 
I hereby demand that the CFPB investigate this matter and take appropriate action to ensure these fraudulent accounts are permanently removed from my credit report. I expect a prompt resolution and would appreciate any guidance regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation