Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax, I am writing to dispute and demand the immediate removal of the following account XXXX XXXX XXXX that appear on my Equifax credit report. I confirmed I am victim of the Equifax data breach, which exposed my personal information, making me more vulnerable to fraudulent activity. 

I am writing to express my dissatisfaction with the improper handling of my dispute regarding the XXXX XXXX XXXX account, which continues to show as a closed account on my credit report despite your claim that it is " non-reporting. '' This issue has been escalated through multiple dispute submissions, including my formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ). However, Equifax has repeatedly failed to address my concerns in a lawful and transparent manner. 

Summary of Violations and Concerns Misrepresentation of Account Status : On XX/XX/XXXX, Equifax stated via CFPB response that the XXXX XXXX XXXX account is " non-reporting '' on my credit file. 
Contrary to this claim, the account remains visible as a closed account on my end, reflecting inaccurate reporting that you have failed to validate or address. 
Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611, 15 U.S.C. 1681i ) : Despite multiple dispute submissions and accompanying documentation ( including my identity theft report, proof of identity, and proof of Equifax data breach exposure ), Equifax has failed to provide : Verification of the accuracy of the disputed account. 
Contact details or evidence from the furnisher ( XXXX XXXX XXXX ). 
Any documentation substantiating the accounts legitimacy. 
Unlawful Stalling Tactics : Equifax has sent repeated notices claiming it is unable to locate my file, despite having received : My full name, last four digits of my Social Security Number, and date of birth.

Equifax falsely claims I have submitted disputes " multiple times within 90 days '' as a tactic to delay resolution.

These stalling tactics are in direct violation of FCRA Section 611 ( a ) ( 1 ), which requires disputes to be resolved within 3045 days.

Failure to Provide Debt Validation and IRS Form 1099-C : I formally requested proof of debt validation, including the 1099-C cancellation of debt form and documentation showing : Ownership of the account.

Transfer details or evidence of collection activity.

Equifax has failed to provide any of this information, violating my rights under FCRA Section 609 ( 15 U.S.C. 1681g ).

Failure to Remove Fraudulent Information ( FCRA Section 605B, 15 U.S.C. 1681c-2 ) : As a victim of identity theft and the 2017 Equifax data breach, I submitted : A valid identity theft report.

Proof of my identity and address.

A detailed written request for removal of the fraudulent account.

Despite meeting all legal requirements, Equifax has refused to block the fraudulent information, in clear violation of Section 605B.

Failure to Adhere to CFPB Mandates : Following the CFPBs recent enforcement action against Equifax in XX/XX/XXXX for improper investigations, I expected full compliance with regulatory requirements. However, your continued negligence and disregard for federal law demonstrate ongoing noncompliance. 
Legal and Regulatory Violations Equifaxs actions violate the following federal laws and regulations : Fair Credit Reporting Act ( FCRA ) : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation or provide supporting documentation.

Section 605B : Failure to block fraudulent information upon receiving valid identity theft documentation.

Section 609 : Failure to provide required documentation, including debt validation and proof of account ownership.

Section 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Your stalling tactics and false claims constitute deceptive practices. 
Recent CFPB Precedent ( XX/XX/XXXX ) : The CFPBs enforcement action against Equifax highlights the agencys commitment to holding CRAs accountable for failure to investigate disputes and reinserting inaccurate information.

Requested Actions To resolve this matter, I demand the following actions within 10 calendar days : Immediate Deletion of the XXXX XXXX XXXX Account : Remove the disputed account from my credit report as required under FCRA Section 605B and Section 611.

Company response to consumer: Closed with non-monetary relief