Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
I am filing this urgent complaint against Equifax, TransUnion, Experian, and XXXX for their outrageous and illegal reinsertion of a fraudulent account ( Account Number : XXXX ) across all three credit bureaus, despite its prior deletion due to their gross reporting failures. This account, linked to a stolen package I never received, has been wrongfully reported, devastating my credit. This is an absolute disgrace, and I demand immediate action now! 

In XX/XX/XXXX, I discovered this account after a package, allegedly ordered through XXXX, was stolen before delivery ( XXXX XXXX Report # XXXX ). I never authorized it, never received it, and reported the theft to XXXX, who ignored me and reported it as a {$630.00} charge-off. I disputed it multiple times, leading to its deletion. Experians report ( Report XXXX XXXX, dated XX/XX/XXXX ) shows no balance, yet the account persists, exposing their reckless inconsistency. Resurgent Capitals letter ( XX/XX/XXXX ) confirms it was settled on XX/XX/XXXX, yet its backproof of their negligence! 

Legal Violations FCRA Violation Failure to Provide Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) None of the bureaus notified me within five business days of reinserting the account, a blatant FCRA breach.

FCRA Violation Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) Reporting a fraudulent, settled account with conflicting data ( e.g., no balance on Experian ) shows a complete lack of reasonable procedures.

FCRA Violation Duty to Reinvestigate ( 15 U.S.C. 1681i ( a ) ) All bureaus must delete unverifiable or inaccurate information. This account, tied to identity theft and never delivered, is unverifiable.

TILA Violation Unfair Billing Practices ( 15 U.S.C. 1666b ) WebBank/Fingerhut charged me for a stolen package without proof of delivery, violating TILAs billing notice requirements, invalidating the charge-off. 
FCRA Violation Identity Theft Blocking ( 15 U.S.C. 1681c-2 ) As an identity theft victim ( FTC Report XXXX XXXX ), I demand this fraudulent account be blocked permanently. 
Negligent/Willful Noncompliance ( 15 U.S.C. 1681n-o ) This coordinated misconduct entitles me to statutory damages, punitive damages, and attorney fees for the severe harm to my credit. 
Details of the Issue Account : XXXX XXXX Account Number : XXXX Fraudulent Amount : {$630.00} ( previously reported, now {$0.00} on Experian ) Original Dispute : XX/XX/XXXX ( theft reported, package stolen ) Deletion Confirmed : XXXX Report XXXX XX/XX/XXXX ) Illegal Reinsertion : Equifax ( XX/XX/XXXX ) XXXX TransUnion/Experian ( subsequent ) XXXX Evidence : XXXX XXXX Report # XXXX, FTC Report # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), TransUnion Report ( XX/XX/XXXX ) This account arose from a package stolen in XX/XX/XXXX, documented by XXXX XXXX. I never received XXXX failure to ensure delivery makes this their fault, not mine! Their refusal to correct this, compounded by all three bureaus illegal reinsertion, is a gross abuse of my rights. My credit score has tanked, costing me thousands in interest and opportunities. 

Desired Resolution I demand that Equifax, TransUnion, Experian, and WebBank/Fingerhut : Immediately and permanently remove the WebBank/Fingerhut account ( Account Number : XXXX ) from my credit reports. 
Block this fraudulent account from ever being reported again under FCRA 15 U.S.C. 1681c-2.

Provide written confirmation of removal and blocking within 15 days.

Investigate WebBank/Fingerhuts failure to verify delivery and hold them accountable for this fraud.

I insist the CFPB investigate this scandalous violation and enforce my rights under the FCRA and TILA. I will not stand for this injustice and am ready to pursue legal action if not resolved immediately!!!

Company response to consumer: Closed with explanation