Consumer complaint received 2025-11-25 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:
Subject : Equifax XXXX XXXX to CFPB, Failure to Honor FTC Identity Theft Report, and Continued Reporting of Fraudulent Collection I am filing this complaint against Equifax Information Services LLC regarding the handling of a fraudulent collection account and my prior CFPB complaint # XXXX. 

XXXX. The Fraudulent Collection Still Reporting On my Equifax credit report dated XX/XX/year>, there is a collection account reporting under Collections with the following details : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX OF XXXX ( XXXX XXXX XXXX of Oklahoma ) Original Amount Owed/ Amount : {$800.00} Date Reported : XX/XX/year> Status Date : XX/XX/year> Status : UNPAID Comments : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS I have never opened any account with XXXX XXXX XXXX of Oklahoma, and I did not authorize anyone to do so on my behalf. I believe this account is the result of identity theft, possibly related to an Equifax data breach. 

XXXX. FTC Identity Theft Report Provided On XX/XX/year>, I completed an FTC Identity Theft Report, Report Number XXXX, specifically identifying this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma account as fraudulent. The report includes my signed statement that : I did not open or authorize this account ; I dispute the collection as identity theft ; and I am requesting that the furnisher and the credit reporting agencies remove this fraudulent account from my credit reports. 

I have submitted this FTC Identity Theft Report to Equifax as part of my dispute. The report clearly satisfies the definition of an identity theft report under the FCRA XXXX ( q ) and should trigger Equifaxs obligations under FCRA XXXX to block the fraudulent information from my file. 

ftc report for XXXX XXXX. XXXX  Misleading Responses to the CFPB I previously filed CFPB Complaint # XXXX about this same collection. 

On XX/XX/year>, Equifax responded to that complaint through the CFPB XXXX and stated : Collection : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. 

This statement is false. As noted above, my Equifax credit report dated XX/XX/year> shows the collection actively reporting with Date Reported : XX/XX/year> and status UNPAID with comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. 

In addition, when I contacted Equifax by phone : Customer service representatives told me twice that Equifax had no record of CFPB Complaint # XXXX, even though XXXX  XX/XX/year> written response was submitted in that exact case. 

They also claimed they never received my FTC Identity Theft Report, despite my having submitted it and despite it clearly relating to this exact collection. 

This creates the appearance that : Equifax is giving misleading information to the CFPB about what is on my credit file ; and Equifax is failing to properly log, track, and act on CFPB complaints and identity theft documentation from consumers. 

XXXX. FCRA XXXX XXXX conduct appears to violate several provisions of the Fair Credit Reporting Act, including but not limited to : XXXX U.S.C. XXXX ( FCRA XXXX ) failure to conduct a reasonable reinvestigation and provide accurate results of my dispute ; XXXX U.S.C. XXXX ( b ) ( FCRA XXXX ( b ) ) failure to follow reasonable procedures to assure maximum possible accuracy of information in my credit file ; XXXX U.S.C. XXXX ( FCRA XXXX ) failure to promptly block information resulting from identity theft after receiving an identity theft report and proper documentation. 

Equifax has now : Continued to report a fraudulent collection account that I have disputed as identity theft ; Ignored or mishandled my FTC Identity Theft Report ; and Informed the CFPB that the account is not currently reporting while my Equifax report shows the opposite. 

XXXX. Requested Relief I am requesting that the CFPB : Require Equifax to immediately block and delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma collection from my Equifax credit file pursuant to FCRA XXXX. 

Require Equifax to provide written confirmation that this tradeline has been deleted and will not be reinserted without full compliance with FCRA reinsertion procedures. 

Require Equifax to note and correct any internal records where they claimed the account was not currently reporting when it was actively present on my file. 

Review Equifaxs handling of my CFPB complaint # XXXX, including why customer service claims no record of a complaint that clearly exists in the CFPB XXXX, and why my FTC Identity Theft Report was not properly honored. 

I am attaching : A copy/screenshot of my Equifax credit report XXXX XX/XX/year>, showing the collection still reporting and in active dispute. 

A copy of my FTC Identity Theft Report, Report Number XXXX, identifying this account as fraudulent and requesting removal. 

Thank you for your assistance in getting this fraudulent and inaccurately handled account removed from my credit file.

Company response to consumer: Closed with non-monetary relief