Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am filing this furious complaint against Equifax for their despicable, intentional, and unconscionable violations of federal law in continuing to report the fraudulent XXXX  account ( Account Number : XXXX ) on my credit report. I have been relentlessly disputing this account since XX/XX/XXXX, with disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, unequivocally proving this account is a result of identity theft. Yet, Equifaxs stubborn refusal to remove this account, despite irrefutable evidence, has inflicted catastrophic financial harm, emotional distress, and obliterated my ability to establish or maintain credit. Equifaxs actions are a flagrant, egregious violation of multiple federal laws, and I demand the CFPB take immediate action to force Equifax to remove this account, hold them accountable for their gross negligence, and compensate me for the irreparable damage they have caused. 

Inaccuracies in Reporting Equifaxs reporting of the XXXX account XXXX riddled with blatant inaccuracies that have devastated my credit profile : Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as documented in my FTC Identity Theft Report. Equifax continues to report this account as mine, with a {$660.00} balance charged off in XXXX. 
Incorrect Payment History : The account shows late payments ( XXXX, 60 days ) in XXXX, which I did not make because I never opened or used this account. 
Misleading Balance and Status : The balance is reported as {$0.00} as of XX/XX/XXXX, but the charge-off status remains, which is inaccurate for a fraudulent account. 
Failures in Verification Process Equifaxs verification process is a complete sham, demonstrating a willful disregard for their legal obligations : I have disputed this account XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), yet Equifax has failed to remove it or provide any credible evidence of verification. 
Equifax has refused to disclose how they verified this account with XXXX XXXX despite my requests. 
Equifaxs failure to block this information after receiving my FTC Identity Theft Report is a shocking display of negligence.

Legal Violations Equifaxs actions constitute multiple, egregious violations of federal law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation within 30 days of my disputes.

15 U.S. Code 1681i ( a ) ( 5 ) : Equifax failed to delete unverifiable information.

15 U.S. Code 1681i ( a ) ( 6 ) : Equifax failed to provide a description of the reinvestigation process despite my requests.

15 U.S. Code 1681c-2 : Equifax failed to block information resulting from identity theft.

15 U.S. Code 1681b ( 2 ) : Equifax is reporting inaccurate information.

15 U.S. Code 1681b ( 5 ) : Equifax lacks a permissible purpose to report this account.

Fair Credit Billing Act ( FCBA ) : Equifax has failed to correct billing errors, such as the incorrect charge-off status.

Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect charge-off status, Equifax misrepresents the terms of credit.

Consumer Financial Protection Act ( CFPA ) : Equifaxs refusal to remove this account constitutes an unfair and deceptive practice.

Harm Caused Equifaxs willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly destroyed, plummeting due to this fraudulent accounts presence, false late payments, and charge-off status.

I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability.

The emotional distress caused by Equifaxs actions is unbearableI have suffered severe anxiety, frustration, and sleepless nights. 
I have spent countless hours disputing this account, gathering evidence, and filing complaints.

Company response to consumer: Closed with non-monetary relief