Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am filing this complaint to escalate Equifaxs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 ( Section 605B ), which mandates that identity theft-related information be blocked within four business days upon receiving valid documentation. I submitted all required evidence, including my FTC Identity Theft Report ( Ref. No. 188978004 ), a government-issued photo ID, proof of address, and written statements identifying the fraudulent accounts. Despite this, Equifax has failed to block or permanently delete the disputed accounts in violation of FCRA 1681c-2 ( c ), demonstrating a pattern of willful noncompliance.

I did not open or authorize these accounts. I am the victim of identity theft and dispute these as fraudulent under FCRA 1681c-2. The following fraudulent accounts remain on my Equifax credit report or have been subject to unlawful reinvestigation or updates : XXXX XXXX XXXX Account ending in XXXX, Balance : {$1000.00} XXXX XXXX XXXX Bank Account ending in XXXX, Balance : {$1200.00} XXXX XXXX Account ending in XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account ending in XXXX, Balance : {$3300.00} These accounts were opened or used without my knowledge, authorization, or consent. I did not apply for them, and there is no permissible purpose under FCRA 1681b ( a ) ( 2 ) to justify their reporting. Pursuant to FCRA 1681c-2, these accounts must be blocked within XXXX business days after receiving valid documentation, which Equifax has already received. Their continued presence violates FCRA 1681c-2 ( c ) and 623 ( a ) ( 1 ) ( A ) for inaccurate furnishing. 

In particular, the XXXX XXXX XXXX account ending in XXXX resulted from identity misuse. I co-signed for a business vehicle that was declared a total loss and settled via insurance. I never authorized post-settlement liability, and no IRS Form 1099-C was issued as required under IRS XXXX XXXX for canceled debts exceeding {$600.00}. There is no evidence of delinquency to justify the charge-off. Its continued reporting violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( a ) ( 5 ) ( A ) ( unverifiable data ), and Metro 2 standards. 

In addition, Equifax has engaged in illegal re-aging in violation of FCRA 1681c ( a ) ( XXXX ) by allowing XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX to update monthly through XXXX, despite being charged off or settled in XXXX. This misrepresents the age and severity of the accounts and deceives credit scoring models. 

Equifax has also repeatedly reinvestigated XXXX XXXX XXXX Account ending in XXXX, which is a current, positive account with no dispute on file. I never initiated any investigation for this account. It is properly reported as pays as agreed. The repeated reinvestigation constitutes unlawful interference and a violation of FCRA XXXX ( a ), as no dispute exists. 

I am demanding that Equifax permanently delete the fraudulent accounts listed above within XXXX ( XXXX ) business days of receiving this notice, as required under FCRA XXXX ( c ). I also invoke my right under XXXX ( a ) ( XXXX ) to request expedited deletion of unverifiable tradelines and demand written confirmation that these accounts will not be reinserted unless all conditions under XXXX ( d ) are fully satisfied. 

This dispute is submitted in good faith, fully supported by law and documentation. If Equifax fails to comply, I will escalate to the FTC, SEC, IRS Criminal Investigation Division, and pursue all available civil remedies under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief