Consumer complaint received 2025-07-04 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 is my second formal request for the immediate deletion of the fraudulent XXXX XXXX account ( Acct # : XXXX XXXX XXXX XXXX XXXX ) that is still being reported on my credit file. I previously disputed this account on XX/XX/XXXX ( CFPB # XXXX ), and you responded that the account was verified and reporting correctly. That response is not only inaccurate its a direct violation of multiple f

ederal laws. After comparing all three credit reports side by side ( Equifax, XXXX, and XXXX  ), Ive found numerous inconsistencies, reporting contradictions, and unverifiable information. I am formally requesting deletion of this account on the basis of identity theft and clear violations of federal consumer protection laws.

Let me be very clear : this account does not belong to me. I am a victim of identity theft. I have attached a Federal Trade Commission ( FTC ) Identity Theft Report ( # XXXX ) and have filed a report with local law enforcement. Continuing to report this account is unlawful and materially damaging to my credit file.

Legal Violations & Grounds for Deletion 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block Requirement You are required to block fraudulent information within 4 business days of receiving a valid identity theft report, proof of identity, and identification of the fraudulent account. All of this has already been submitted.

2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of Disputed Information Your previous verification failed to correct the following major contradictions : Last Payment Date : XXXX  : XXXX XXXX XXXX  Equifax & XXXX  : XXXX XXXX, XXXX Account Status : XXXX  : Closed / Charged-off XXXX  : Closed / Charged-off Equifax : Derogatory / Profit & Loss Write-off Worst Payment Status : XXXX  : Charge-off Equifax : XXXX  Days Late XXXX : Charge-off Highest Balance Reporting : Equifax : {$500.00} XXXX & XXXX : No Info Excessive Negative Months : XXXX  : 22 potentially negative months on a 12-month loan XXXX  : Payment history inconsistent and shows late reporting beyond the loans term 3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Reporting false, outdated, or inconsistent information across agencies violates your duty to report accurate data.

4. FCRA 623 ( b ) ( 1 ) Duty to Investigate Disputed Information You must correct or delete data that can not be verified after a dispute. These inconsistencies clearly show the account is unverifiable.

5. FACTA Red Flags Rule Identity theft indicators were ignored. Continuing to report this account violates your obligation to flag frau

dulent activity. 6. 15 U.S.C. 1681n and 1681o Civil Liability for Willful or Negligent Noncompliance If this account is not deleted, I reserve the right to pursue damages under these provisions. 7. FCRA 602 ( A ) Fair and Equitable Treatment The ongoing reporting of false data undermines the fair treatment of consumers as outlined in this section. 8. FCRA 607 ( b ) Maximum Accuracy Requirement Consumer reporting agencies must follow reasonable
procedures to assure maximum possible accuracy. Clearly, this has not been done.

Summary of Inaccuracies This account is fraudulent ( identity theft victim ) Conflicting last payment dates Contradictory account statuses ( Closed, Charged-off, Derogatory ) Inconsistent worst
delinquency status ( Charge-off vs. XXXX Days Late ) Different highest balance reporting across bureaus Reporting of late payments and charge-offs after account closure Unverifiable and excessive number of derogatory months for a short-term loan Final Demand I am not requesting another investigation. I demand the immediate and permanent deletion of this XXXX XXXX account in accordance with FCRA 605B. Please provide : 1. Immediate deletion and blocking of the fraudulent account from my credit file.

2. A written statement confirming deletion and blocking.

3. An updated credit report reflecting the change.

If I do not receive confirmation within 10 business days, I will submit additional complaints to the CFPB, FTC, and Virginia Attorney General and pursue legal remedies under 15 U.S.C. 1681n & 1681o.

Thank you for your prompt attention to this matter. I look forward to your swift compliance as required by federal law.

Company response to consumer: Closed with explanation