Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I am submitting this statement to formally escalate my ongoing identity theft dispute with Equifax and to request immediate reinvestigation and enforcement by the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ). My dispute was submitted electronically through the CFPB portal along with all legally required supporting documents. These included my FTC Identity Theft Report ( # XXXX ), a copy of my government-issued identification, a current utility bill for address verification, and a detailed written statement explaining the scope and nature of the identity theft affecting my credit file. I confirm that this submission was made in good faith under my legal name, and I understand that a physical or scanned signature is not required when filing through the CFPBs official system. 

Despite my complete documentation and clear explanation of the facts, Equifax has failed to comply with FCRA 1681c-2 ( Section 605B ), which requires the blocking of fraudulent identity theft-related tradelines within four business days of receiving proper notice. As of the date of this writing, multiple fraudulent accounts remain on my credit file as shown on my Equifax credit report dated XX/XX/XXXXXXXX  ( Confirmation # XXXX ). Equifax has not provided any verification evidence, nor have they produced original source documentation such as signed contracts, account applications, billing records, or valid chains of assignment. Many of the furnishers involvedparticularly XXXX XXXX XXXX and XXXX XXXX XXXX third-party debt buyers who appear to have acquired these accounts through the resale of charged-off debts without proper validation or consumer authorization. The sale or purchase of a debt does not supersede my rights under FCRA 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable data. It is equally a violation of 1681e ( b ) to report collection accounts from furnishers when the original creditor ( e.g., XXXX, XXXX, etc. ) does not appear anywhere in the file. 

The following accounts are being reported as collections or charge-offs, despite my sworn identity theft report and lack of any legitimate consumer relationship : XXXX XXXX XXXX XXXX XXXX XXXX, {$890.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1100.00} XXXX XXXXXXXX, {$620.00} XXXX XXXXXXXX, {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX, {$1900.00} ) XXXX XXXX XXXX XXXX, {$2100.00} XXXX XXXXXXXX, {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$580.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$450.00} ) XXXX XXXX XXXX XXXX XXXX {$630.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX, {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$3700.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$820.00} ) These accounts continue to report derogatory statuses monthlyincluding " Profit and Loss Write-Off, '' " Charge Off, '' and Collection Accountdespite being fraud-based and unvalidated. Several tradelines have re-aged their delinquency history by updating through XXXX and XX/XX/XXXX, which constitutes unlawful re-aging in violation of FCRA 1681c ( a ) ( 4 ). Furthermore, for all accounts exceeding {$600.00} in outstanding balance, no IRS Form 1099-C has been issued, which violates IRS Code 6050P and confirms the debt was likely discharged but is still being reported as due. Reporting an uncollectible or canceled balance while failing to issue required tax documentation is materially misleading and contributes to the ongoing harm to my credit file. 

In accordance with FCRA 1681c-2 ( d ), I am formally requesting written confirmation that none of these fraudulent tradelines will be reinserted into my credit file unless all required conditions under federal law are met, including advance written notice, original documentation from the creditor, and my explicit consent. If these accounts remain on my file, I will consider this a willful and reckless disregard for my consumer rights under FCRA 1681n and 1681o, and I reserve my right to pursue further legal remedies. 

Finally, I remind Equifax and the CFPB that my personal data was compromised in the XXXX Equifax data breach, which placed me at elevated risk of identity theft. Equifax has a heightened legal and ethical duty to prevent ongoing harm stemming from that breach and should have taken immediate steps to protect my file and remove fraudulent entries once proper notice was provided. 

In closing, I request that the CFPB initiate an immediate investigation into Equifaxs noncompliance with the identity theft provisions of the FCRA and require the permanent deletion of all accounts listed in this letter. I also request a written confirmation of all deletions and a statement affirming that these accounts will not be reinserted without full legal documentation and my written authorization.

Company response to consumer: Closed with non-monetary relief