Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
am writing to file a formal complaint against Equifax and XXXX XXXX XXXX for their repeated and willful failure to remove a fraudulent and inaccurate account from my credit report, despite multiple attempts on my part to dispute the information and provide substantiating documentation. 

This account, reported by XXXX XXXX XXXX and maintained by Equifax, does not belong to me, and I have never signed for, authorized, or used this product in any capacity. I have already taken the appropriate legal and procedural steps to demonstrate this, including but not limited to : Filing a formal identity theft report with the Federal Trade Commission ( FTC ) Submitting police and/or theft reports as applicable Providing affidavits and other documentary evidence Submitting disputes through Equifaxs channels multiple times Despite this, the account continues to be reported inaccurately, causing serious damage to my credit reputation and financial wellbeing. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Cited Legal Violations : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : This section of the FCRA requires a credit reporting agency to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. Equifax has failed to perform a reasonable reinvestigation or correct the inaccurate information, as required by federal law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information : XXXX XXXX XXXX , as the furnisher of this data, is required to investigate disputed information and report the results to the credit bureaus. They are also prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 
15 U.S. Code 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued presence of this account after multiple disputes and verified fraud documentation demonstrates a gross failure to comply.

Ongoing Investigations and Public Concern : It should also be noted that Equifax is currently under federal scrutiny for mismanagement of consumer credit data and failure to comply with federal standards. These ongoing investigations further demonstrate a pattern of derogatory credit practices that jeopardize consumer protection rights. 

Request for Immediate Action : I am now forced to escalate this issue due to the severe and ongoing harm to my credit. I demand the immediate and permanent removal of this fraudulent account from my Equifax credit file and cessation of all further reporting by XXXX XXXX XXXX. 

If this issue is not resolved promptly and fully, I will be pursuing legal action with a qualified Fair Credit Reporting Act ( FCRA ) attorney to seek compensation for damages, legal costs, and any other remedies available under the law. 

I trust the Consumer Financial Protection Bureau will take this matter seriously and initiate an immediate investigation into the conduct of Equifax and XXXX XXXX XXXX regarding this complaint. 
Next Steps if Not Resolved : If I do not receive satisfactory resolution within 15 business days, I will be retaining legal counsel and pursuing damages under : 15 U.S.C. 1681n ( Willful noncompliance : actual and punitive damages ) 15 U.S.C. 1681o ( Negligent noncompliance ) I will also be filing formal complaints with : The Federal Trade Commission ( FTC ) State Attorney Generals Office Other applicable state and federal consumer protection agencies This is a final attempt to resolve the issue amicably and professionally. I trust the CFPB and the involved parties will act in accordance with the law and consumer rights under the FCRA.

Company response to consumer: Closed with explanation