Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Request for Removal of Fraudulent Entries and Compliance with FCRA XXXX Dear Equifax, I am writing to dispute the continued presence of fraudulent and inaccurate information on my credit report, as well as to reiterate the serious and immediate need for compliance with the Fair Credit Reporting Act ( FCRA ) in handling this dispute. 

I have noticed that a fraudulent XXXX XXXX account continues to be RE-INSERTED on my credit profile, which I dispute. According to the FCRA, an itemized billing statement is not considered proof of obligation, and at this time, I have not received any legitimate documentation showing that I owe this fraudulent debt, nor have I seen any agreement signed by me with a wet ink signature validating my obligation to this account. Equifax has continued to RE-INSERT this fraudulent XXXX XXXX account on my credit report without providing adequate proof of my association with the account. 

Under FCRA XXXX, it is extremely important that Equifax block fraudulent information within four days of receiving notification of the fraudulent accounts or information. This blocking should occur while you are conducting your investigation not until you are finished with the investigation. The FCRA is clear in its requirement that any items identified as fraudulent must be removed immediately while an investigation is underway. Failing to block these fraudulent items within the required timeframe is a serious violation of my rights under the FCRA. 

It is essential that Equifax follows this timeline and complies with all relevant provisions. Additionally, it must be noted that determining my dispute to be frivolous is not an acceptable response while Equifax is still conducting its investigation. A decision to disregard the requirements of FCRA XXXX by asserting my dispute as frivolous is a direct rebuttal from Equifax, preventing the completion of your investigation in accordance with the FCRA. This constitutes a violation of FCRA XXXX, FCRA XXXX, and FCRA XXXX, which set clear standards for the investigation and verification of disputes. 

The ongoing re-insertion of fraudulent information and failure to properly block it within the mandated timeframe is severely harming my livelihood, ability to obtain shelter, employment, and credit for transportation. I am formally requesting that XXXX  XXXX the fraudulent XXXX XXXX account immediately under FCRA XXXX, in compliance with your obligations to do so within four days of receiving notification of the dispute. 

In addition, I have noticed that my XXXX XXXX account is being reported with incomplete XXXX XXXX formatting, which I have previously disputed. Equifax continues to report inaccurate and incomplete information on this account, even though I was never late on my XXXX XXXX account. Under XXXX XXXX XXXX, I request that this account be updated to reflect a fully paid payment history immediately. 

If Equifax continues to allow these fraudulent items to remain on my credit report without proper verification, or fails to block them in the required timeframe, Equifax will be seen as assisting and abetting XXXX XXXX in fraudulent practices, which is a clear violation of FCRA XXXX, FCRA XXXX, and FCRA XXXX. Such non-compliance could result in serious legal consequences, including but not limited to defamation and violations of consumer protection laws. 

I demand that the fraudulent XXXX XXXX account be removed immediately from my credit report, and that my XXXX XXXX account be updated to reflect accurate and complete XXXX XXXX formatting and a fully paid payment history as per the requirements of the law. Failure to comply with these requirements will result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and the resolution of this issue in full compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief