Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, This letter is my second formal request for the immediate deletion of the fraudulent XXXX XXXX account ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) that is still being reported on my credit file. I previously disputed this account on XX/XX/XXXX ( CFPB # XXXX ), and you responded that the account was verified and reporting correctly. That response is not only inaccurate its a direct violation of multiple federal laws. 
After comparing all three credit reports side by side, Ive found numerous inconsistencies and inaccuracies in the way this account is being reported. I am formally requesting deletion of this account on the basis of identity theft and inaccurate, unverifiable information, in clear violation of federal consumer protection laws. 
Let me be very clear : this account does not belong to me. I am the victim of identity theft. I have attached a Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ), and have also filed a report with local law enforcement. Continuing to report this account is unlawful and damaging to me. 
Legal Violations & Grounds for Deletion 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block Requirement You are required to block fraudulent information within 4 business days of receiving a valid identity theft report, proof of identity, and identification of the fraudulent account. All of these have already been submitted to you. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of Disputed Information Your previous verification failed to correct obvious inaccuracies : Closed Date : Equifax : XXXX XXXX, XXXX XXXX  : No closure date listed XXXX  : XXXX XXXX, XXXX Last Payment Date : Equifax : XXXX XXXX, XXXX XXXX  & XXXX  : XXXX XXXX, XXXX Late Payment Count : Equifax shows XX/XX/XXXX XXXX  shows XXXX XXXX  reports XXXX potentially negative months ( on an account open XXXX months ) Reporting Activity After Closure : All three bureaus report derogatory payment data through XXXX, XXXX, and XXXX despite the account being closed in XXXX Account Status : Equifax : Closed XXXX  : Account Charged Off XXXX  : Derogatory 3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Continuing to report this conflicting and demonstrably inaccurate information after being notified of identity theft is a clear violation of your legal obligations. 
4. FCRA 623 ( b ) ( 1 ) Duty to Investigate Disputed Information You are required to investigate and delete inaccurate or unverifiable information within 30 days. That did not happen. 
5. FACTA Red Flags Rule There is clear evidence of identity theft, which triggers a mandatory obligation under FACTA to flag and protect the consumer. Your failure to block the fraudulent account violates this rule.

6. 15 U.S.C. 1681n and 1681o Civil Liability for Willful or Negligent Noncompliance If this account is not removed, I reserve the right to pursue legal action under these provisions for actual, statutory, and punitive damages. 
7. FCRA 602 ( A ) Fair and Equitable Treatment The stated purpose of the FCRA is to ensure fair and equitable treatment of consumers.

Reporting mathematically and chronologically impossible data contradicts this core principle.

8. FCRA 607 ( b ) Maximum Possible Accuracy Credit bureaus are legally required to ensure maximum possible accuracy. 
Cross-reporting errors, post-closure late payments, and conflicting statuses show a failure to meet this standard. 
Summary of Inaccuracies Fraudulent account ( identity theft victim ) Conflicting closed dates : XXXX XXXX vs. XXXX XXXX, XXXX Conflicting last payment dates : XXXX XXXX vs. XXXX XXXX, XXXX Inconsistent delinquency counts across bureaus Late payments reported 13 years after closure Account duration too short to support XXXX negative months Status mismatch : Closed, Charged Off, Derogatory Reporting 104 % utilization on a charged-off, closed account Final Demand : I am not requesting another investigation or correction. I am demanding the immediate and permanent deletion of this XXXX XXXX XXXX XXXX account in accordance with FCRA 605B. Please confirm the deletion in writing and send me an updated credit report. 
I hereby demand : 1. Immediate deletion and blocking of the above-listed fraudulent account from my credit file.

2. A written statement confirming deletion and blocking of the account.

3. An updated credit report reflecting these changes. 
If I do not receive confirmation within 10 business days, I will file additional complaints with the CFPB, FTC, State Attorney Generals Office, and consider legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), seeking damages as provided by law. 
Thank you for your immediate attention to this matter. I look forward to your prompt response as required under federal law.

Company response to consumer: Closed with non-monetary relief