Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint against Equifax due to ongoing and escalating violations of the Fair Credit Reporting Act ( FCRA ) and their failure to correct false, damaging, and unauthorized information on my credit file despite multiple efforts on my part to resolve the matter both directly and through the CFPB. 
In XX/XX/XXXX, I filed a legitimate identity theft claim for a single account my XXXX card, which was resolved and reinstated properly. I have not claimed identity theft or fraud for any other accounts. Despite this, Equifax is now sending ADCVs ( Affidavit of Dispute and Consumer Verification ) to my creditors, falsely claiming I initiated fraud or identity theft disputes on accounts I never disputed in that context. 
This is happening nearly four months later, after I : Printed my full credit report Clearly circled the inaccurate entries Typed a detailed dispute letter Submitted all supporting documents to both Equifax and the CFPB Rather than correcting the record, Equifax has escalated the issue by initiating baseless identity theft fraud claims to my creditors, alleging false application fraud a claim I never made. This is reckless, unlawful, and severely damaging to my creditworthiness and reputation. 
Additionally, I have had direct communication with XXXX, an Executive Customer Relations representative at Equifax, who called and emailed me to acknowledge that Equifax mishandled my credit reports. She confirmed that the issue had been corrected. However, despite her assurances, Equifax continues to send ADCVs to my creditors, including XXXX XXXX. Just a week and a half ago, I reported this issue again to the CFPB and to Equifax via email. Yet, they continue to break the law by misreporting fraudulent activity and sending improper ADCVs. 
The result : Multiple XXXX  XXXX credit card accounts have been closed as a direct result of these false fraud reports Two accounts that were reinstated have now been closed again due to repeat misreporting My long-standing credit history, utilization, and payment performance are being undermined I have invested significant time, energy, and money fighting to correct issues that should never have occurred Equifax is now in direct violation of the following FCRA provisions : 15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) Failure to maintain accurate consumer data 15 U.S. Code 1681n & 1681o Willful and negligent noncompliance 15 U.S. Code 1681s-2 False communication of fraudulent activity To make matters worse, Equifax provided me a written guarantee on XX/XX/XXXX, stating I would be reimbursed {$100.00} per day if the inaccurate information was not corrected within 30 days. I responded twice to that communication, provided all relevant documents, and have received no response and no compensation. 
Furthermore, due to Equifaxs misreporting and the unlawful closure of my accounts, automated payments that I have set up are now being declined or cancelled. This includes essential subscriptions such as my XXXX  membership, which Ive attached proof of specifically, a cancellation notification from XXXX XXXX. I am now being notified that memberships I have paid for, like XXXX, are being canceled for nonpayment despite my consistent payments due to the misreporting and my accounts being closed once again. This is not only an inconvenience but a disruption to my financial obligations and personal data monitoring services that I rely on for protection, especially in light of ongoing credit interference caused by Equifax. 
I am now requesting the following from the CFPB : 1. Immediate enforcement to compel Equifax to cease sending false ADCVs and to permanently remove all improper fraud claims. 
2. Full investigation into Equifaxs noncompliance with federal consumer reporting laws. 
3. Enforcement of the $ XXXX/day reimbursement, effective from XX/XX/XXXX, as per Equifaxs written commitment.

4. Damages and penalties imposed for Equifaxs repeated misreporting, negligence, and financial harm caused.

5. Permanent correction and reinstatement of my affected credit accounts.

This situation is beyond negligent it is malicious and irresponsible. I expect CFPB intervention without delay.

Company response to consumer: Closed with non-monetary relief