Consumer complaint received 2025-07-03 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 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 federal laws.

After comparing all three credit reports side by side, Ive found numerous inconsistencies and inaccuracies in the way this account is being reported. I am formally requesting deletion of this account on the basis of identity theft and inaccurate, unverifiable information, in clear violation of federal consumer protection laws.

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

Legal Violations & Grounds for Deletion 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Block Requirement You must block fraudulent information within 4 business days of receiving a valid identitytheft report, proof of identity, and identification of the disputed account. You have had all three since XX/XX/XXXX. 
2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of Disputed Information Your prior verification failed to correct obvious inaccuracies : Closed Date Equifax : No date listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment Date Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delinquency Counts Equifax : XX/XX/XXXXXXXX XXXX  : 41 potentially negative months XXXX  : XXXX PostClosure Activity All three bureaus show derogatory marks through XXXX despite the account being closed in XXXX. 
Account Status Equifax : Closed / Chargeoff XXXX : Account Charged Off XXXX  : Derogatory 3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Furnishing or retaining known inaccurate data after notification of identity theft violates this section.

4. FCRA 623 ( b ) ( 1 ) Duty to Investigate & Correct Within 30 Days You were required to delete or correct the unverifiable information within 30 days, but did not.

5. FCRA 623 ( a ) ( 5 ) Obligation to Report Correct Closure & ChargeOff Dates Missing or conflicting closure dates breach this duty.

6. FCRA 623 ( a ) ( 6 ) Ban on Furnishing Fraudulent Information After IDTheft Notice Continuing to supply data once notified of identity theft is prohibited.

7. FACTA Red Flags Rule Identitytheft evidence triggers mandatory blocking ; failure to act violates this rule.

8. FCRA 602 ( A ) Fair & Equitable Treatment Purpose Clause Reporting mathematically and chronologically impossible data defeats the FCRAs purpose.

9. FCRA 607 ( b ) Maximum Possible Accuracy Standard Crossbureau contradictions show you have not met this statutory requirement.

10. 15 U.S.C. 1681n & 1681o Civil Liability Willful or negligent noncompliance exposes you to statutory, actual, and punitive damages.

Summary of Inaccuracies Fraudulent account ( identitytheft victim ) Conflicting closeddate data ( XXXX XXXX XXXX XXXX  ) Conflicting lastpayment dates ( XXXX XXXX vs. XXXX XXXX XXXX ) Inconsistent delinquency counts across bureaus Late payments reported 13 years after closure Impossible 41 negative months on timeline Status mismatch : Closed, ChargedOff, Derogatory Reporting 11 % utilization on a chargedoff, closed account Final Demand I am not requesting another investigation. I demand the immediate and permanent deletion of this XXXX 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 non-monetary relief