Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Old information reappears or never goes away Summary of the Complaint : XXXX XXXX has willfully and negligently failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ). Despite my repeated identity theft complaints and submission of both a police report and a valid FTC Identity Theft Report, XXXX continues to report a fraudulent loan to credit reporting agencies as valid, without providing evidence or justification. This has occurred even after four CFPB complaints in the last three months.

Violations & Allegations : Failure to Conduct a Reasonable Investigation XXXX has yet to provide a single piece of evidence showing how this loan was verified as legitimate. They have not provided : Any validation of the identity used This constitutes a direct violation of FCRA 1681s-2 ( b ) ( 1 ), which mandates furnishers to conduct a reasonable investigation upon notice of a dispute.

Refusal to Provide Documentation of Investigation After repeated requests, XXXX has refused to provide any documentation regarding the steps taken in their so-called investigation. Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive this information, and they have blatantly ignored this right.

Failure to Complete Investigation Within 30 Days Federal law mandates that investigations be completed within 30 days of receiving a dispute ( FCRA 1681i ( a ) ( 1 ) ( A ) ). It has now been well beyond that timeframe, and XXXX is still claiming their reporting is accurate with no evidence provided. 
Knowingly Reporting Inaccurate Information By continuing to report this loan as valid despite my identity theft claim, XXXX is in direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information the furnisher knows or has reason to believe is inaccurate.

Retaliation and Pattern of Negligence This is now the fourth CFPB complaint Ive had to file, and it is clear that XXXX is not taking identity theft seriously. Instead, they are stonewalling and using stall tactics while continuing to damage my credit and violate my federal rights. 
Relief Requested : I am demanding that the FTC investigate XXXX XXXX for : Failure to comply with the FCRA and FACTA Failure to provide required documentation Failure to correct fraudulent information despite legal proof and formal reports Deliberate and negligent damage to my credit reputation I request that the FTC compel XXXX to : Permanently delete the fraudulent account from all credit bureaus Provide a complete copy of their investigation file Cease all further collection and reporting related to this loan Be held accountable for violating multiple sections of federal law Attached Documents for FTC Review : Copy of Police Report Copy of FTC Identity Theft Report Copies of prior CFPB Complaints XXXX most recent response letter

Company response to consumer: Closed with explanation