Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for Repeated Misreporting Resulting in Financial Harm and Account Closures To Whom It May Concern, I am filing this complaint to formally document and request regulatory intervention against Equifax for their persistent and gross mishandling of my credit file, which has led to severe financial harm, unwarranted account closures, and continued disruption of my personal credit standing.

Specifically, Equifax has repeatedly and erroneously reported false information regarding alleged identity theft and fraudulent applications attached to my credit profile. These false reports have directly resulted in multiple credit card account closures with both XXXX XXXX XXXX XXXX XXXX XXXX, causing significant damage to my financial position and creditworthiness. 

In XX/XX/year>, I engaged with Equifaxs Executive Consumer Support team, where a representative named XXXX acknowledged that my credit reports had been mishandled. Equifaxs inaccurate reporting led to XXXX XXXX closing XXXX of my credit card accounts. Despite acknowledgment of fault, this issue remains unresolved, and I am still dealing with its consequences. 

More recently, this issue has escalated further. After successfully working with XXXXXXXX XXXX XXXX XXXXXXXX XXXX to reinstate two of my previously closed accounts just one month ago, these same accounts were once again closed last week. I was informed by XXXX, a representative of XXXX XXXX XXXX XXXX, that Equifax sent an ACDV ( Automated Credit Dispute Verification ) claiming identity theft and/or fraudulent applications, triggering their automatic closure protocol. 

I have never filed any report of identity theft with Equifax, nor have I initiated any such dispute. All three of my XXXX XXXX accounts are active, legitimate, and set to autopay with upcoming payments scheduled next week. This reckless misreporting is not only damaging but also an egregious failure of data accuracy obligations under the Fair Credit Reporting Act ( FCRA ). 

Summary of Impact : Erroneous closure of XXXX XXXX  XXXX credit cards Erroneous closure ( twice ) of XXXX XXXX XXXX XXXX  credit cards Extensive time spent on remediation without resolution Continuous financial stress and reputational damage Auto-payments scheduled with uncertainty due to account closures No assurance from Equifax that this will not continue to happen Equifaxs continued dissemination of false and damaging information, despite prior acknowledgments of error, represents a blatant violation of their legal duty to maintain accurate consumer credit files. Their actions have created a recurring cycle of harm that requires immediate regulatory scrutiny and enforcement action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation