Consumer complaint received 2025-03-16 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: UT

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Immediate Removal of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts that are still being reported on my Equifax credit report. Despite multiple disputes and my submission of proof of identity theft, Equifax has failed to remove these accounts or provide any evidence that they were properly verified. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), federal law, and Utah state law.

Violation of Fair Credit Reporting Act ( FCRA ) Failure to Investigate & Remove Fraudulent Accounts Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation of disputed information. However, Equifax has failed to : Provide any results of an investigation despite my requests ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Properly verify these fraudulent accounts as mine.

Remove these accounts after being presented with identity theft documentation ( police reports, affidavits, and other evidence ).

Additionally, 15 U.S.C. 1681c-2 ( a ) mandates that credit reporting agencies must block fraudulent information upon receiving proof of identity theft. Equifax has failed to comply with this legal obligation. 

Discrepancy Among Credit Bureaus Violation of Accuracy Standards I have reviewed my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). The fraudulent accounts Equifax refuses to remove do not appear on my XXXX and XXXX reports. This discrepancy violates 15 U.S.C. 1681e ( b ), which requires all credit reporting agencies to maintain accurate and consistent credit files. Since these accounts are not on XXXX or XXXX, Equifax has no valid reason to continue reporting them. This further proves that these accounts are fraudulent and were never mine. 

Legal Consequences of Non-Compliance If Equifax does not immediately remove these fraudulent accounts, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Report Equifaxs violations to the XXXX  XXXX XXXX XXXX XXXX for failure to comply with XXXX  XXXX XXXX, which mandates the removal of identity theft-related information. 
Pursue legal action under 15 U.S.C. 1681n and 1681o, which allow consumers to sue for damages due to willful or negligent FCRA violations.

Demand for Immediate Action Given Equifaxs failure to comply with the law, I am demanding the following immediate actions : Remove all fraudulent collection and charge-off accounts from my Equifax credit file. 
Provide written confirmation that these accounts have been permanently deleted. 
Cease any further reporting of these accounts to any third parties, including creditors. 
This is my final request. If these accounts are not removed within 15 days, I will proceed with formal complaints and legal action

Company response to consumer: Closed with non-monetary relief