Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer : XXXX XXXX Original Complaint Reference : XXXX Date of Original Filing : XX/XX/year> Product : Credit reporting or other personal consumer reports Issue : Ongoing inaccurate reporting identity theft, charge-off fraud, and failure to comply with FCRA 605B Summary of Issue This is a supplemental complaint against Experian, Equifax, and TransUnion XXXX along with XXXX XXXX XXXX XXXX XXXX for continuing to report a fraudulent XXXX XXXX account ending XXXX XXXX. Despite my prior complaint ( # XXXX ) and my submission of all required identity theft documentation ( FTC Identity Theft Report # XXXX, government-issued ID, proof of address, and written statements ), all three CRAs are still publishing this account as a charge-off with a {$1200.00} balance, and Experian continues to update the tradeline XXXX through 2025. 

On XX/XX/year>, Experian admitted there may be potential fraud involved. Under FCRA 605B ( c ) ( 2 ) ( A ), once furnished with proper identity theft documentation, each CRA was required to block and delete this account within 4 business days. None of them complied. The account remains on my credit files, causing material harm.

The CRAs also failed to explain or document how this account was verified, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The reporting of a Profit and Loss Write-Off without issuing an IRS Form 1099-C for a debt over {$600.00} violates 26 U.S.C. 6050P and misrepresents the status of the account. Furthermore, monthly updating constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ).

Legal Violations by Experian, Equifax, and TransUnion Failure to block/delete identity theft account FCRA 605B ( c ) ( 2 ) ( A ) Failure to ensure accuracy FCRA 607 ( b ), 611, 1681e ( b ) Illegal re-aging FCRA 1681c ( a ) ( 4 ) Failure to delete unverifiable information FCRA 611 ( a ) ( 5 ) ( A ) Failure to provide reinvestigation details FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Legal Violations by XXXX XXXX XXXX XXXX  Reporting a fraudulent account without contract or liability basis. 
Mislabeling the account as a charge-off without issuing IRS Form 1099-C 26 U.S.C. 6050P.

Permitting continued furnishing of false information after receipt of identity theft documentation FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 6 ).

Documented Harm False publication of a {$1200.00} balance and charge-off. 
Suppressed credit scores and adverse lending decisions. 
Emotional distress and wasted time disputing a known identity theft account. 
Risk of IRS confusion and tax issues due to lack of a required 1099-C.

Fair Resolution Requested Immediate permanent deletion of the fraudulent XXXX XXXX account ending in XXXX from all credit reports with Experian, Equifax, and TransUnion. 
Written confirmation that this account will not be reinserted. 
Financial relief of {$1000.00} from each credit reporting agency ( Experian, Equifax, and TransUnion ) for willful noncompliance with FCRA 605B, plus additional compensation for damages under 15 U.S.C. 1681n and 1681o.

Referral to the CFPB Enforcement Division for systemic violations by all three CRAs and XXXX XXXX XXXX XXXX. 
Confirmation that no IRS Form 1099-C will be issued for this fraudulent account, as such reporting would be untimely and unlawful. 

Attachments Already on File FTC Identity Theft Report # XXXX Drivers License and Proof of Address Prior CFPB Complaint Documentation

Company response to consumer: Closed with explanation