Consumer complaint received 2025-07-19 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 formally escalating this identity theft dispute against Equifax based on new documentary evidence from XXXX and XXXX confirming that several charge-offs and collections currently reported on my Equifax credit XXXX are fraudulent, unauthorized, and must be blocked in accordance with FCRA XXXX ( c ). This is not a frivolous or duplicative dispute. The new documentation from both XXXX ( dated XX/XX/year> ) and XXXX ( file dated XX/XX/year> ) confirms that the following accounts are not reported in their consumer systems, providing strong third-party validation that these tradelines are the result of identity theft. I have previously submitted a complete FTC Identity Theft Report ( XXXX XXXX. XXXX ), along with my government-issued ID, proof of address, and detailed written identification of the disputed accounts. Equifax has failed to take the required legal action, and I am demanding immediate enforcement of my rights under Section 605B. 

The fraudulent accounts currently reported on my Equifax file that must be blocked include : XXXX XXXX XXXX, account ending in XXXX XXXX, charge-off balance {$3300.00} XXXX XXXX XXXX XXXX XXXX account ending in * XXXX, charge-off balance {$1200.00} XXXX XXXX, account XXXX XXXX XXXX XXXX, charge-off balance {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, collection balance {$1000.00} XXXX of the most egregious violations involves XXXX XXXX XXXX ( account endinXXXX XXXX XXXX XXXXXXXX ), which remains unlawfully reported as a charge-off on my Equifax credit file. This account was never authorized to be charged off. The vehicle associated with this account was declared a total loss and fully settled through an insurance claim. At no time did I agree to any post-settlement financial liability or authorize the creation of a new debt or liability contract. The reported balance of {$3300.00} is completely unsupported by any valid, signed agreement and constitutes fraudulent use of my personal information in violation of FCRA 604 ( a ) and 1681b ( f ), which prohibit the use of consumer information without a permissible purpose.

The tradeline further shows a sudden CO ( charge-off ) with no history of delinquency or late payments leading up to that status. This pattern is highly irregular and directly violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681c ( a ) ( 4 ) ( illegal re-aging ), and established XXXX XXXX credit reporting guidelines. Additionally, no IRS XXXX XXXX has XXXX been issued for this account, despite the charged-off balance exceeding {$600.00}. This is a clear violation of XXXX XXXX XXXX XXXX, which mandates tax reporting for XXXX debts. The absence of this required tax documentation indicates that the debt is either uncollectible, invalid, or never existed in the first place. 

Worse still, XXXX XXXX XXXX has attempted to fabricate a new post-settlement contractual liability in my name, for which I never applied, consented, or agreed. This action amounts to identity theft and is further proof that this account should have been immediately blocked and deleted under FCRA 1681c-2 ( c ) upon receipt of my valid FTC Identity Theft Report ( # XXXX ), government-issued photo ID, and proof of address. Despite my full legal compliance, Equifax has failed to take action and continues to misreport this fraudulent liabilitythereby causing serious reputational and financial harm. 

XXXX ongoing failure to remove or block these fraudulent tradelinesafter receipt of all required documents and new supporting evidenceconstitutes willful noncompliance with federal law. These accounts violate : FCRA 1681c-2 Failure to block identity theft data FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data FCRA 1681b ( a ) ( 2 ) No permissible purpose for continued reporting 26 U.S. Code 6050P Failure to issue Form 1099-C for canceled debt Additionally, Equifax has interfered with XXXX separate, positive XXXX account ending in XXXX XXXXXXXX that I never disputed. This reinvestigation was unauthorized and violated FCRA XXXX ( a ) ( XXXX ). I have also formally revoked all consent to be contacted regarding the fraudulent XXXX account, as permitted under FDCPA XXXX ( c ) ( XXXX U.S.C. XXXX ( c ) ). 

In closing, I am demanding that Equifax block all fraudulent tradelines identified above within XXXX ( XXXX ) business days of this notice, as required under FCRA 1681c-2 ( c ). I request full legal compliance and permanent deletion of these accounts, including written confirmation that none of the blocked accounts will be reinserted without full documentation and advance notice as required by FCRA 1681c-2 ( d ). I further request referral of this matter to the CFPB Enforcement Division for legal action under FCRA 1681n and 1681o for repeated and willful violations of federal law.

Company response to consumer: Closed with non-monetary relief