Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
Equifax is acting intentionally against my interests and actively participating in damage to my financial well-being by refusing to remove fraudulent information from my credit report despite clear, documented identity theft. 

DETAILED COMPLAINT This complaint involves Equifax 's willful non-compliance with FCRA Section 605B regarding my XXXX  XXXX  account ( ending in XXXX ). While I legitimately opened this account, all problematic debt resulted from identity theft committed by XXXX XXXX, who fraudulently used my card without authorization during a period of coercion and control. This constitutes clear identity theft supported by comprehensive documentation. 

Timeline of Equifax 's Willful Violations : XX/XX/year>2025 : I submitted proper identity theft dispute documentation to Equifax, including FTC Identity Theft Report # XXXX and police report XX/XX/year>2025 : Equifax initially removed the fraudulent information, acknowledging its fraudulent nature Recently : Equifax inexplicably and illegally re-added the same fraudulent information they had already determined was the result of identity theft Current : Equifax continues to willfully violate federal law despite having irrefutable proof of identity theft The core violation is this : Equifax was legally required under FCRA Section 605B to permanently block this fraudulent information within four business days of receiving my properly documented identity theft report. They failed to do so. More egregiously, after initially removing the information ( thereby acknowledging it was fraudulent ), they deliberately re-added the same fraudulent debt. This action serves as irrefutable proof of bias against consumers and demonstrates their deliberate intent to violate federal law. 

Equifax 's actions are causing me real, tangible harm. I have been pre-emptively denied financing for essential needs, including vehicle loans necessary for my employment. Every single day this continues, Equifax is actively participating in the damage to my financial well-being. Their refusal to follow federal law is not a mere oversightit is willful non-compliance that demonstrates a complete disregard for consumer rights. 

I have provided Equifax with comprehensive supporting documentation, including : FTC Identity Theft Report # XXXX ( filed and verified ) Official police report documenting the identity theft Detailed evidence of the coercive circumstances under which the fraud occurred Proof of my legitimate identity and residence It is critical to note that all other creditors and credit bureaus who received the same identity theft documentation have successfully and permanently removed their fraudulent accounts from my credit report. Equifax is the sole holdout, despite having the same clear evidence and despite their own initial acknowledgment that the debt was fraudulent. 

The fraudulent debt totals {$3100.00} on a {$2700.00} credit limit ( 113 % utilization ), resulting from XXXX XXXX maxing out my card during a documented period of coercion. This debt represents clear evidence of unauthorized and abusive activity that I neither benefited from nor authorized. Equifax 's continued reporting of this information, after having acknowledged its fraudulent nature, constitutes acting in bad faith. 

REQUESTED RESOLUTION I demand that the Consumer Financial Protection Bureau : Investigate Equifax Information Services LLC for willful violations of FCRA Section 605B Hold Equifax accountable for their deliberate refusal to follow mandatory legal requirements Require Equifax to permanently remove all fraudulent information related to XXXX XXXX account ending in XXXX Impose appropriate penalties for Equifax 's willful non-compliance and deliberate intent to violate federal law Ensure Equifax ceases their practice of acting intentionally against consumer interests Equifax 's own actions on XX/XX/scrub> 2025, prove they recognized this debt as fraudulentyet they chose to re-add it anyway. This is not an error or oversight. This is deliberate, willful violation of federal law that demonstrates a pattern of bias against consumers and complete disregard for legal obligations. 

I have provided Equifax with every opportunity to comply with federal law. Their continued refusal, despite having been made explicitly aware of their legal duties, serves as irrefutable proof of their willful non-compliance and deliberate intent to violate the FCRA. Any further inaction on their part will only strengthen the evidence of their intentional violations. 

Equifax must not be allowed to continue willfully violating federal law. I seek the Bureau 's immediate intervention to hold them accountable and ensure this egregious conduct is stopped permanently. 

Respectfully submitted, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX Official Police Report Credit Report Documentation showing fraudulent re-addition Evidence of Equifax 's initial removal and subsequent illegal re-addition Documentation of tangible harm caused by Equifax 's violations

Company response to consumer: Closed with explanation