Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate, verify, or delete fraudulent accounts that I identified and documented as the result of identity theft. 

I submitted a formal dispute through Equifaxs online portal on XX/XX/XXXX, attaching all required supporting documentation, including my FTC Identity Theft Report, government-issued identification, proof of address, and documentation confirming that my personal information had been compromised in the Equifax XXXX data breach. Despite this, Equifax has refused to remove fraudulent tradelines and continues to report them as verified. 

Under FCRA 1681c-2 ( a ), Equifax was required to block all information identified as resulting from identity theft within four business days of receiving my documentation. Equifaxs failure to do so is a direct violation of this provision. Instead, on XX/XX/XXXX, Equifax issued a results letter stating that the accounts were verified with the furnisher, providing no documentation or proof of any legitimate verification process. 

This response fails to satisfy the requirements of FCRA 611 ( a ) ( 1 ) ( B ), which mandates the deletion of any information that can not be verified, and 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. The fact that XXXX  permanently deleted these same accounts as unverifiable further confirms that Equifaxs reinvestigation was not conducted with reasonable diligence or accuracy.

Equifaxs actions also violate 1681e ( b ), which requires consumer reporting agencies to maintain procedures ensuring maximum possible accuracy of reported information. Continuing to display fraudulent and unverifiable accounts directly contradicts this standard. 

In addition to these statutory violations, Equifaxs data reporting violates Metro 2 compliance standards established by the XXXX XXXX XXXX XXXX ( XXXX ). The accounts in question do not display proper dispute coding : Field 24 ( Compliance Condition Code ) : Fails to reflect the identity theft status ; Field 17 ( Account Status ) : Continues to show active charge-off or collection status despite fraud documentation ; Field 28 ( Payment History Profile ) : Contains inconsistent or incomplete entries.

These Metro 2 errors indicate that Equifax either failed to update its internal reporting systems or ignored the identity-theft documentation I submitted, resulting in continued reporting of inaccurate and misleading data.

Equifaxs reinvestigation also fails to comply with FCRA 1681i ( a ) ( 7 ), which grants consumers the right to request the method of verification, including the name, address, and telephone number of any furnisher contacted and a description of the procedures used in verifying disputed information. Equifax has not provided this information despite repeated requests. 

This pattern of behavior demonstrates systemic noncompliance with the FCRA and supports a finding of willful violation under 15 U.S.C. 1681no, as Equifax continues to publish and furnish false information even after being notified of the fraud and provided with documentation proving my identity and the theft of my personal data.

Company response to consumer: Closed with non-monetary relief