Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as my third formal and final demand for the immediate deletion of the fraudulent Bank XXXX XXXX account ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) that is still being reported on my Equifax credit file. 
Despite XXXX previous written disputes and the submission of a Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ), you have failed to comply with your legal obligation to remove this account, which is a clear and ongoing violation of federal law. 
Timeline of Prior Dispute Actions XX/XX/XXXX Initial dispute submitted CFPB Complaint # : XXXX XX/XX/XXXX Second formal complaint submitted CFPB Complaint # : XXXX XX/XX/XXXX FTC Identity Theft Report filed FTC Report # : XXXX Account Information Creditor : Bank of XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$4700.00} This account was opened using stolen identity credentials. I have never held or authorized this account. The evidence Ive providedincluding my signed FTC Identity Theft Report and prior CFPB filingsdemonstrates that Equifax has had ample opportunity and legal obligation to block and delete this tradeline. 
XXXX Violations and Grounds for Deletion 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block You are required to block and remove fraudulent information within XXXX business days after receiving a valid FTC report and proof of identity. You are now in violation of this provision. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Requirement Your prior verification failed to address or resolve multiple inconsistencies and inaccuracies, meaning your reinvestigation was neither reasonable nor compliant.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Duty to Report Accurate Information Your continued reporting of contradictory, false, and unverifiable data after being informed of identity theft is a clear violation of this statute. 
4. FCRA 623 ( b ) ( 1 ) Failure to Investigate Disputed Information Data furnishers and credit bureaus are required to investigate and delete unverifiable information within XXXX XXXX. You did not comply. 
5. FCRA 607 ( b ) Maximum Possible Accuracy Reporting materially conflicting data across credit bureaus shows that reasonable procedures were not followed to ensure accuracy.

6. FCRA 602 ( a ) Fair and Equitable Treatment Your continued publication of false, fraudulent data violates your duty to treat consumers fairly under the FCRA.

7. FACTA Red Flags Rule The presence of a fraud alert and identity theft report creates a red flag scenario. Your inaction constitutes failure to prevent foreseeable harm. 
XXXX. FCRA XXXX and XXXX XXXX XXXX Experian is now liable for statutory, actual, and punitive damages for your willful and/or negligent noncompliance with the FCRA. 
Summary of Inaccuracies Fraudulent Account : Opened without my authorization Conflicting Last Payment Dates : Equifax : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX Different Closure Dates : Equifax : XXXX. XXXX, XXXX TransUnion : XXXX. XXXX, XXXX Experian : No closure date listed Contradictory Account Statuses : Equifax : Closed Experian : Charged Off TransUnion : Derogatory Late Payments Reported After Closure : Into XXXX, XXXX, and XXXX Mathematically Impossible Delinquency Totals : Equifax shows XXXX late months on a XXXX account TransUnion reports only XXXX negative months Experian indicates XXXX 105 % Credit Utilization : On a charged-off, closed account Final Demand for Action I am not requesting another reinvestigation. I am demanding the immediate and permanent deletion of the Bank XXXX XXXX account from my credit file under FCRA XXXX. I hereby demand : XXXX. Permanent deletion and blocking of the above-referenced Bank of XXXX account XXXX. Written confirmation that this account has been removed XXXX. An updated copy of my credit report showing the correction XXXX. Notice to all third parties who received my credit report in the past XXXX months, per FCRA XXXX ( d )

Company response to consumer: Closed with explanation