Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Police reports have been uploaded to Equifax, reached out to XXXX XXXX XXXX and was informed they do NOT have any documentation stating an inquiry for a vehicle was performed. DELETE THIS INQUIRY WITH URGENCY, ATTEMPTED TO REACH OUT TO XXXX XXXX XXXX AND CAN NEVER GET ANYONE ON THE PHONE AS SO OR EMAILS DISPLAY ERROR MESSAGES AND NOT FUNCTIONING, DELETE/REMOVE FROM CREDIT REPORT WITH URGENCY. EQUIFAX is giving me a hard time about deleting identity theft information from my report. No one answer XXXX  customer service phone. It keeps disconnecting. The website isnt working correctly, it shuts down and glitches. DELETE THIS IDENTITY THEFT COLLECTIONS AND CHARGE OFF AND THE CLOSED ACCOUNT FROM MY REPORT. I AM NOT LEGALLY RESPONSIBLE FOR ANY OF THOSE ITEMS. AND THE THIRD PARTY DEBT COMPANIES CONFIRMED THEY PAID THE DEBTS AND HARASSING ME DEMANDING ME TO PAY THEM, making THREATS at me. These collections, charge offs, closed accounts need to be deleted and removed IMMEDIATELY. A FTC report is being attached, a police report has been uploaded but can be uploaded again. This has caused excessive and intense hardship and needs to be deleted and resolved with urgency.THESE COMPANIES LIKE XXXX XXXX XXXX, AND XXXX  WILL TRY TO PRESENT " PAPERWORK/DOCUMENTATION '' TO CFPB, BUT WILL NEVER SPEAK WITH CONSUMERS. HARASSMENT FOR MONEY IS RIDICULOUS. .I will not accept consistent harassment, or being told nothing can be removed without completion regarding obligations to this company after in fact showing this is IDENTITY THEFT. I won't give into the demands due to previous exposure of my information and fraud, and I will not BE FORCED into completion of documentations that I have already provided police reports for, and be unawaringly stuck into an agreement with this third party company that bout the debt, paid the merchant, and demanding monies from me for something I DID NOT DO. And will no provide to me anything in writing to me as I requested, not the social security number attached to the one that almost {$10000.00} that clearly was not mine when that information was given to me verbally from this company only 1 time. They are just telling me they have my ID and that's all. No wet ink signature from me. Demand for Immediate Deletion Per FCRA 15 U.S.C. 1681i & Notice of Willful Non-Compliance Per 15 U.S.C. 1681n ; and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) By law disputes can not be reinserted once deleted. To Whom It May Concern : I am formally disputing the following item ( s ) currently appearing on my credit report : XXXX XXXX XXXX XXXX  XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX Equifax ( by law and USC code Charge-off Account Number : XXXX XXXX XXXX XXXX-paid off-closed XXXX XXXX Hard Inquiry ] HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am asserting my right under 15 U.S.C. 1681i to dispute incomplete, inaccurate, outdated, unverifiable, or otherwise incorrect information. You are required by law to investigate and either verify or delete the inaccurate entry within 30 days of receiving this notice. If the disputed item is not deleted and deemed verified without proper documentation or lawful validation, this constitutes willful non-compliance with federal law and a violation of 15 U.S.C. 1681n, which provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. Additionally, hard inquiries made without permissible purpose are a direct violation of 18 U.S.C. 1028A and may also subject the initiator and credit reporting agency to criminal liability for identity misuse and fraud. If this account or inquiry can not be 100 % verified with legally admissible proof ( contracts with signature, terms, complete transaction history, and permissible purpose ), it must be deleted immediately from my credit file to avoid further liability.

Company response to consumer: Closed with non-monetary relief