Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE - FRAUDULENT ACCOUNTS REPEATEDLY RE-INSERTED Account Holder : [ Your Full Name ] SSN : [ Last XXXX digits only : XXXX ] Date of XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED Dear Equifax, I am writing to formally dispute the repeated re-insertion of fraudulent credit accounts on my credit report, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as my official dispute under 15 U.S.C. 1681i and demands immediate corrective action. 
FRAUDULENT ACCOUNTS IN DISPUTE : XXXX. XXXX Credit Card Account XXXX XXXX - Balance : {$12000.00} XXXX. XXXX Credit Card Account XXXX XXXX - Balance : {$13000.00} XXXX XXXX : These fraudulent accounts were initially removed and permanently blocked from my credit file at the beginning of this year following proper identity theft procedures. However, these same accounts have been illegally re-inserted onto my credit report XXXX ( XXXX ) separate times, despite their confirmed fraudulent nature. 
I spoke with XXXX, a supervisor in your fraud department, who explicitly confirmed that Equifax is not in the business of re-reporting fraudulent accounts back onto consumers credit files, especially not repeatedly. This acknowledgment from your own supervisor validates that these re-insertions are unauthorized and improper. 
FCRA VIOLATIONS : Your actions constitute multiple violations of federal law, including but not limited to : XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Improper Reinsertion : You have repeatedly re-inserted previously deleted information without proper verification, violating your duty to maintain accurate records. 
XXXX. 15 U.S.C. 1681e ( b ) - Failure to Follow Reasonable Procedures : Your repeated re-insertion of confirmed fraudulent accounts demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Duty to Investigate : You have failed in your statutory duty to conduct reasonable reinvestigation of disputed information. 
XXXX. 15 U.S.C. 1681c-2 - Identity Theft Protections : You have violated provisions specifically designed to protect identity theft victims by repeatedly reporting accounts confirmed as fraudulent. 
ADDITIONAL AGGRAVATING CIRCUMSTANCES : Your representative informed me that my credit file was mixed with another individuals file, rendering my report blank, and that I must contact each creditor individually to have my legitimate accounts re-reported. This places an unreasonable burden on me as the victim of both identity theft and your systemic failures. 
Furthermore, my personal information was compromised in : The Equifax Data Breach ( confirmed via your breach website ) The XXXX XXXX XXXX XXXX XXXX other documented data breaches Your defective systems, which have been subject to well-documented security breaches, continue to harm consumers through these repeated errors and unauthorized re-insertions. 
LEGAL DEMANDS : Pursuant to the FCRA, I demand that you : XXXX. IMMEDIATELY AND PERMANENTLY DELETE both fraudulent XXXX credit card accounts from my credit report XXXX. BLOCK these accounts from any future reporting under 15 U.S.C. 1681c-2 XXXX. PROVIDE WRITTEN CONFIRMATION of the permanent deletion and blocking within 30 days XXXX. IMPLEMENT SYSTEMIC CONTROLS to prevent any future re-insertion of these fraudulent accounts XXXX. PROVIDE A CORRECTED CREDIT REPORT reflecting the removal of these fraudulent accounts SUPPORTING DOCUMENTATION ENCLOSED : FTC Identity Theft Affidavit Police Report documenting identity theft Copy of government-issued identification Copy of Social Security card NOTICE OF INTENT : If you fail to permanently resolve this matter within XXXX ( XXXX ) days of receipt of this letter, I will pursue all available remedies under the FCRA, including but not limited to statutory damages of XXXX XXXXXXXX {$1000.00} per violation, actual damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. 
Your repeated violations have caused significant harm to my creditworthiness and constitute either willful non-compliance or negligent disregard of your FCRA obligations. 
I expect your full cooperation in resolving this matter promptly and permanently. Please provide written confirmation of all corrective actions taken and ensure these fraudulent accounts are never re-inserted onto my credit report again. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Affidavit Police Report Copy of ID XXXX of Social Security Card

Company response to consumer: Closed with explanation