Consumer complaint received 2025-07-21 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 third and final formal notice requesting the immediate deletion of the fraudulent XXXX XXXX XXXX XXXX account ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from my credit report. Despite multiple disputes and submission of a valid identity theft report, Equifax continues to report this fraudulent tradeline in clear violation of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. 
Timeline of Action Taken XX/XX/XXXX First dispute submitted CFPB Complaint XXXX XXXX XXXXXXXX XX/XX/XXXX Second formal follow-up CFPB Complaint XXXX XXXX XXXXXXXX XX/XX/XXXX FTC Identity Theft Report filed FTC Report XXXX XXXX XXXXXXXX I have now provided Equifax with a complete and verified FTC Identity Theft Report, documentation of the disputed tradeline, and a sworn statement regarding the identity theft. You are legally obligated to delete the disputed account and your failure to do so is unlawful. 
Account Information Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Fraud Amount : {$11000.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Violations of Federal Law 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Block You are required to block fraudulent information within four ( 4 ) business days of receiving a valid identity theft report and proof of identity. This requirement has not been met, despite my timely submission.

2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate You are required to perform a reasonable reinvestigation of disputed information and delete anything unverifiable within 30 days. Your previous verification failed to address multiple clear inaccuracies.

3. FCRA 623 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information Continuing to report conflicting, unverifiable, and fraudulent data after being notified of identity theft is a direct violation of this statute.

4. FCRA 607 ( b ) Maximum Possible Accuracy Credit bureaus must maintain maximum accuracy. Your ongoing reporting of this account despite internal data contradictions and proven fraud demonstrates willful disregard for this obligation.

5. FACTA Red Flags Rule The FTC Identity Theft Report clearly shows this XX/XX/XXXX account is fraudulent.

You are required to act upon such red flags and you have failed to do so.

6. FCRA 1681n and 1681o Civil Liability At this point, Equifax is liable for statutory and punitive damages due to your willful and/or negligent noncompliance.

Summary of Inaccuracies Fraudulent account included in a valid FTC Identity Theft Report Conflicting closed dates : XXXX XXXX ( Equifax ) vs. XXXX XX/XX/XXXXConflicting last payment dates : XXXX XXXX ( Equifax ) vs. XXXXXX/XX/XXXX) 34 derogatory months reported on an account open for ~15 months Post-closure payment activity reported through XXXX, XXXX, and XXXX Status inconsistencies : Closed ( Equifax ), Charged Off (XX/XX/XXXX ), Derogatory ( XX/XX/XXXXXXXX Reported 104 % utilization on a closed, charged-off account Final Demand This is my final request. I am not seeking another reinvestigation. I am formally demanding deletion of the XXXX XXXX account under FCRA 605B. 

I hereby demand : 1. Immediate deletion and blocking of the XXXX XXXX XXXX XXXX account from my Equifax credit file 2. A written statement confirming the deletion and blocking 3. An updated copy of my credit report showing this correction 4. Confirmation of correction notices sent to all third parties that accessed my report in the past six ( 6 ) months, per FCRA 1681i ( d ) Next Steps If Unresolved If I do not receive confirmation of full deletion within 10 business days, I will : File a third CFPB complaint Escalate to the FTC and the State Attorney Generals Office Initiate legal action under FCRA 1681n and 1681o for damages Thank you for your immediate attention. I expect your full compliance with federal law.

Company response to consumer: Closed with explanation