Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Complaint Request for Permanent Deletion of Inaccurate XXXX XXXX XXXXXXXX XXXX Account from Equifax Credit Report ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding inaccurate and unauthorized reporting of an account from XXXX XXXX XXXXXXXX XXXX that appears on my Equifax credit report with a balance of {$2100.00}. I am disputing this tradeline in its entirety and requesting its permanent deletion based on violations of federal consumer protection laws. 
This account does not belong to me and is either the result of a file mixing error, unauthorized reporting, or the reporting of incomplete or inaccurate information. Despite my efforts to correct this through Equifaxs dispute process, the account continues to appear on my credit filecausing reputational and financial harm.

Legal Violations and Consumer Rights : 1. 15 U.S.C. 1681e ( b ) Duty of Accuracy Credit reporting agencies are legally required to maintain reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. Including an account that does not belong to me clearly violates this duty.

2. 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Upon receiving a consumer dispute, the credit bureau must conduct a reasonable reinvestigation and delete or correct any unverifiable or inaccurate information within 30 days. The continued reporting of this XXXX account without proper verification violates this section. 

3. 15 U.S.C. 1681b Permissible Purpose A credit reporting agency may only include consumer data for specific, authorized purposes. If this account is being reported without proper authorization or verification, it is a violation of this statute.

4. 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Any partyincluding a credit bureau or data furnisherthat negligently fails to comply with any provision of the FCRA is subject to civil liability for damages caused by that failure.

5. 31 U.S.C. 5118 Discharge of Financial Obligations in Legal Tender This statute supports a consumers right to discharge financial obligations and ensures that such transactions must be accurately reflected and not subject to continued or duplicative enforcement through inaccurate reporting mechanisms. 

Requested Action : I respectfully request that the CFPB : XXXX. Investigate Equifaxs reporting of the XXXX XXXX XXXX XXXX account in my file 2. Determine whether Equifax or XXXX has sufficient legal basis and verification to report this account 3. Require the permanent deletion of the account with a {$2100.00} balance from my Equifax report 4. Enforce compliance with the above FCRA statutes and hold the responsible parties accountable for any noncompliance The presence of this inaccurate tradeline has caused unnecessary damage to my credit file, and I am relying on the CFPB to take corrective action to ensure that only accurate, verified, and legally authorized information appears on my consumer credit reports. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation