Consumer complaint received 2025-10-29 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:
Of course. Here is a precise, powerful, and factual description of what happened, written for the CFPB complaint form using your information. 

-- - Description of What Happened : For years, my credit reports from XXXX XXXX, and TransUnion have been systematically corrupted with fraudulent, unverifiable, and obsolete accounts, in willful violation of the Fair Credit Reporting Act ( FCRA ). 

The core problems, documented with certified disputes and their own reports, are : 1. Fraudulent " Identity Theft '' Accounts : XXXX XXXX XXXX is reporting an " open '' collection of {$580.00} from XX/XX/XXXX, as an " original creditor. '' I have no contract or relationship with this entity. This is a fabricated debt. 
XXXX ( XXXX ) is a fraudulent account that was opened without my knowledge, charged off, and sold, constituting identity theft. 
2. Mathematically Impossible Reporting on Closed Accounts : XXXXXXXX XXXX, closed in XX/XX/XXXX, is illegally reporting a {$1500.00} balance and " missed payments '' as recently as XX/XX/XXXX. Per XXXX XXXX XXXX, a closed account can not have a payment status. 
This same illegal reporting applies to over a dozen other closed accounts ( e.g., XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX which collectively fabricate XXXX late payments that never occurred. 
XXXX  Duplicate & Obsolete Accounts : XXXXXXXX XXXX XXXX appears as XXXX separate accounts from XXXX, which is illogical. These accounts are also past the XXXX FCRA reporting limit for any negative data. 
Similar duplicate accounts exist for XXXX XXXX and XXXX XXXX XXXX XXXX 
4. Willful Suppression of Positive History : My credit age is falsely reported as " XXXX  years, '' while the bureaus ' own data shows an XXXXXXXX XXXX XXXX account opened in XX/XX/XXXX ( XXXX years ago ). 
They have consistently omitted my XXXX consecutive on-time rental payments from XX/XX/XXXX to present at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which represents over XXXX years of positive payment history. 

My Actions : I have repeatedly disputed these inaccuracies directly with the credit bureaus via certified mail, providing evidence and citing specific laws. Their responses have been boilerplate, their " investigations '' nonexistent, and the fraudulent information remains, causing significant financial harm by artificially suppressing my credit scores and denying me opportunities. 

I demand a proper investigation and the immediate, permanent deletion of all fraudulent and inaccurate accounts, and the correction of my credit history to reflect the truth : a XXXX XXXX on-time payment record and a credit age of over XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX : XX/XX/XXXX DATE : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED TO : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion LLC XXXX XXXX XXXX * * RE : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS ATTN : COMPLIANCE DEPARTMENT To Whom It May Concern : This is a formal dispute pursuant to FCRA 1681i. The following items on my credit report are inaccurate, fraudulent, and/or unverifiable. They must be deleted immediately. 

1. Credit Age is Fraudulently Suppressed The Lie : Your reports claim my credit age is " XXXX yrs. '' The Truth : Your own data proves this false. XXXXXXXX XXXX XXXX was opened XX/XX/XXXX. That is 6 years, XXXX months of credit history you are illegally suppressing. 
Violation : FCRA 1681e ( b ) for failure to maintain accurate and complete information. 
Demand : Immediately correct my credit age to reflect XXXX years. 

2. LVNV FUNDING LLC is a Fraudulent Collection The Lie : Reporting an " open '' collection for {$580.00} as an " original creditor. '' The Truth : I have no contract, agreement, or knowledge of this entity. They are not an original creditor.

Violations : FDCPA 1692e ( 14 ) - Falsely representing as an original creditor.

FCRA 1681e ( b ) - Reporting unverifiable information.

Demand : PERMANENT DELETE this fraudulent account using Metro 2 Code 65.

3. The Following Closed Accounts Are Illegally Reporting Derogatory Information PerMetro 2 4.6.2, a closed account can not have a monthly payment status. Reporting " late payments '' on these accounts is a mathematical and legal impossibility. DELETE ALL OF THEM IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. My Payment History is XXXX XXXX - Correct It Your claim of '' XXXX XXXX  '' and " XXXX XXXX '' on-time payments is false. Every account I have legitimately engaged with has been paid XXXX XXXX on time. You must amend my entire payment history to reflect XXXX XXXX on-time payments and the remarks " Paid as Agreed. '' XXXX. Insert My XXXX Rental History You have failed to include my XXXX consecutive on-time rental payments at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This must be added, further correcting my credit age to over XXXX  years. 

YOUR LEGAL OBLIGATION & MY NEXT STEP You have XXXX days under FCRA 1681i to conduct a reasonable investigation and correct all errors.

Failure to delete these fraudulent accounts and correct the inaccuracies will result in an immediate lawsuit against your agency for willful non-compliance under FCRA 1681n. I will seek the maximum statutory damages of {$1000.00} per violation, plus punitive damages. 

Do not send me a generic response. Send me written confirmation that these specific accounts have been permanently deleted and my credit history has been corrected. 

Sincerely, XXXX XXXX ATTACHMENTS : Credit Report Excerpts Highlighting Errors

Company response to consumer: Closed with explanation