Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute a fraudulent collection account newly reported by XXXX XXXX XXXX ( XXXX ) on my Equifax credit report, showing a balance of {$690.00} and first appearing on or about XX/XX/XXXX. The original creditor is not listed on Equifax, but appears as XXXX XXXX XXXX XXXX on both TransUnion and Experian. I have no prior or current account with either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, and this account is the direct result of identity theft, as documented in my FTC Identity Theft Report # XXXX, which has already been submitted in a prior complaint ( CFPB Case # XXXX ). 

Despite submitting all required documentation under FCRA 1681c-2 ( Section 605B ) including my FTC Identity Theft Report, valid government-issued photo ID, and a recent utility bill for address verification Equifax has failed to block this new fraudulent account. I remind the CFPB that Equifax is legally required to block identity theft-related information within four business days of receiving proper notice. Their failure to comply constitutes an ongoing violation of the Fair Credit Reporting Act. 

Additionally, I am submitting the XXXX reinvestigation report dated XX/XX/XXXX, which confirms that none of the disputed accounts appear in their system, including XXXX XXXX XXXX. XXXX further states that these accounts are not found in their consumer files and that they have submitted disputes to the nationwide credit bureaus on my behalf. This reinforces the fact that Equifax is reporting unverified, unauthorized, and legally disputed data. 

Equifax has not provided any verification or documentation proving that this debt is valid, such as signed contracts, billing statements, or a legal chain of title. This failure violates both FCRA 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( requiring a reasonable reinvestigation of disputed information ). Moreover, since this collection account exceeds {$600.00}, no IRS Form 1099-C has been issued, suggesting the debt was likely canceled but is being unlawfully reported as due a material omission and misrepresentation. 

I request that the CFPB require Equifax to : Immediately block and permanently delete the {$690.00} XXXX XXXX XXXX account under FCRA 1681c-2 ; Provide a written statement confirming that the account will not be reinserted unless all reinsertion requirements under 1681c-2 ( d ) are met ; Disclose the procedures used to verify the accuracy of this accountt ; Provide the name, address, and phone number of any furnisher that verified the information ; Review Equifaxs pattern of noncompliance and data negligence, especially in light of my elevated risk from the XXXX Equifax data breach. 

This is a formal request for enforcement. I reserve my right to pursue further legal remedies if Equifax continues to willfully disregard my consumer rights.

Company response to consumer: Closed with explanation