Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Formal Complaint Against Equifax Information Services, LLC Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Failure to Delete Fraudulent/Unverifiable Accounts I. INTRODUCTION This complaint is submitted against Equifax Information Services , LLC for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal statutes governing consumer reporting accuracy and reinvestigation obligations.

I have been incarcerated for the past ten ( 10 ) years, during which time my name, likeness, Social Security number, and date of birth have been used fraudulently in identity theft and compromised through national data breaches, including the XXXX Equifax breach itself. 

Despite my repeated written disputes, Equifax has failed to perform a lawful reinvestigation under 15 U.S.C. 1681i, instead relying on automated verification responses from furnishers. These failures have resulted in continued publication of false, unverifiable, and internally inconsistent information across the XXXX national credit bureaus. 

XXXX. LEGAL FRAMEWORK Equifaxs conduct violates multiple FCRA provisions, including : 1681e ( b ) Duty to assure maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information.

1681i ( a ) ( 2 ) Duty to provide the consumer all documentation used in verification.

1681c-2 Duty to block identity theftrelated information.

1681n and 1681o Liability for willful and negligent noncompliance.

Equifaxs actions also violate FDCPA 805 ( c ) [ 15 U.S.C. 1692c ], as I hereby revoke all consent for any further reporting, contact, or communication regarding these disputed accounts. 

Under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ XXXX XXXX ] ), XXXX failure to produce verifiable documentation constitutes a presumption that no valid debt exists. 

XXXX. FRAUDULENT AND UNVERIFIABLE ACCOUNTS Below are the accounts that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681c-2, with detailed inconsistencies across Equifax, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX Account # XXXX * * Equifax : Reports as Charged Off / {$460.00} Balance ( XX/XX/XXXX ). 

XXXX  : Reports as Closed / Paid Charge-Off ( Balance {$0.00} ). 

XXXX  : No record of this tradeline. 
Legal Issues : Opened and charged off during my incarceration. 

Equifax verified without producing a signed agreement, itemized statement, or original application. 

Violates 1681e ( b ) ( accuracy ), 1681i ( a ) ( 1 ) ( reasonable reinvestigation ). 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( CRA can not rely solely on furnisher verification ). 
Requested Action : Delete as unverifiable and fraudulent. 

XXXX. XXXX XXXX Account # XXXX * * Equifax : Settled for less than full balance. 

XXXX  : Different balance and delinquency history. 

XXXX  : No record of the account. 
Legal Issues : Identity theft indicators ; opened during incarceration. 

Conflicting data across bureaus violates 1681e ( b ). 

Failure to provide any validation documentation violates 1681i ( a ) ( 2 ).

Requested Action : Delete immediately under 1681i ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  Equifax : XXXX tradeline shows 120 Days Past Due, another Closed / Paid. 

XXXX  : Both report Closed/ Paid as Agreed. 

XXXX  : Neither account appears. 
Legal Issues : Reporting inconsistency across CRAs constitutes a failure of maximum possible accuracy under 1681e ( b ). 

Equifaxs reinvestigation ignored written disputes, violating 1681i ( a ) ( 1 ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : CRA must perform a meaningful reinvestigation, not a perfunctory verification. 
Requested Action : Delete both XXXX XXXXXXXX XXXX XXXX  tradelines as unverifiable. 

XXXX. XXXX XXXX XXXX Account # XXXX * * Equifax : Closed ; Paid as Agreed, yet lists repeated delinquencies. 

XXXX  : Paid / Never Late. 

XXXX  : No listing found. 
Legal Issues : Internal contradiction within Equifaxs own report ( Paid as Agreed vs. delinquent history ). 

Conflicts with both other bureaus violates 1681e ( b ) and 1681i ( a ). 
Requested Action : Delete for unverifiable and inconsistent reporting. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Equifax : Reports Charged Off / Balance {$7900.00} / Transferred to Recovery ( XX/XX/XXXX ). 

XXXX  : Reports Closed/ Paid as Agreed. 

XXXX  : No record of the account. 
Legal Issues : Equifaxs data conflicts directly with XXXX  reporting, violating 1681e ( b ). 

Equifax failed to provide any signed loan document, payment history, or itemized validation. 

This tradeline arose during incarceration, strongly indicating identity theft. 

Equifaxs verified status constitutes willful neglect of its investigative duties under XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Requested Action : Immediate deletion under 1681c-2 ( identity theft blocking ) and 1681i ( a ) ( 5 ) ( A ).

IV. SUMMARY OF SYSTEMIC NONCOMPLIANCE Across all five accounts : Equifaxs data conflicts materially with XXXX  and XXXX. 

Equifax has failed to produce any verifiable proof of indebtedness, despite multiple written requests. 

XXXX reinvestigation procedures rely solely on furnisher confirmation, violating the holdings in XXXX and XXXX. 

XXXX continued reporting of unverifiable information constitutes willful noncompliance ( 1681n ) and negligent noncompliance ( 1681o ). 

V. RELIEF REQUESTED I respectfully request that the CFPB : Compel Equifax to delete all unverifiable and fraudulent accounts listed above. 

Order Equifax to issue written confirmation of deletions and transmit corrections to XXXX  and XXXX. 

If continued violation and refusal to delete. Investigate Equifaxs reinvestigation practices for systemic FCRA noncompliance.

Impose penalties and compliance orders under 1681s ( a ) for repeated statutory violations.

Ensure permanent suppression of these tradelines to prevent further consumer harm.

VI. CLOSING STATEMENT Equifax has had ample opportunity to correct these inaccuracies yet continues to publish data inconsistent with other national CRAs. 
The companys refusal to verify with original documentation, its reliance on unreliable furnishers, and its pattern of inaction despite clear evidence of identity theft constitute reckless disregard for federal law. 

The continued reporting of these fraudulent tradelines has caused reputational damage, financial harm, and emotional distress. I request immediate regulatory intervention. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief