Consumer complaint received 2025-09-21 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: MA

Complaint narrative:
FORMAL DEMAND FOR COMPENSATION AND IMMEDIATE RESOLUTION Fraudulent Account : XXXX Formal Notice of Dispute per Customer Agreement To Experian and Equifax : This notice is to formally state, for the record, that I have already provided sufficient proof of my identity and current address during my initial disputes submitted. 

The documents I furnished at that time included : A copy of my valid government-issued driver 's license. 

A copy of a recent utility bill - XXXX - confirming my address. 

The official written instruction from XXXX XXXX, the data furnisher, ordering the deletion of the fraudulent account. 

XXXX XXXX XXXX XXXX fraud resolution letter confirming the debt was invalid. 

Your current request for the same documentation is redundant, unnecessary, and conducted in bad faith. It serves no purpose other than to create an unjustified delay in processing the furnisher 's lawful instruction to delete the account. 

This action demonstrates a willful pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Failing to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation upon receiving a direct deletion order from the furnisher. 

By refusing to act on the furnisher 's instruction and instead requesting already-provided documentation, you are knowingly and willingly prolonging the reporting of known inaccurate information. This has caused and continues to cause me significant financial and emotional harm, including the loss of a home purchase and a XXXX credit score drop. 

I demand that you immediately cease this stalling tactic and process the deletion as instructed by XXXX XXXX. Furthermore, I demand financial compensation for the damages your actions have incurred. 

To XXXX XXXX : I am writing to hold XXXX XXXX directly responsible for the extensive financial and emotional damages caused by your companys reporting of a fraudulent debt and your subsequent failure to ensure its deletion from my credit file, despite your own instructions to the credit bureaus. 

1. XXXX Unambiguous Error and Failed Resolution : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX permanently credited my account after concluding that a XX/XX/year> charge from XXXX was an unauthorized and fraudulent ACH debit. This was supported by my return of all equipment to XXXX on XX/XX/year>. Despite this, XXXX continued to report this invalid debt to credit bureaus. 

While you have since issued a letter instructing all major credit bureaus to delete the account, your initial error and the delay in correction have already caused irreparable harm. Furthermore, your instruction has proven ineffective, as credit bureaus like Equifax and Experian are now refusing to comply, demanding redundant identity verification, and prolonging the damage. The responsibility for ensuring the bureaus comply with your deletion order rests solely with XXXX, as the furnishes of the inaccurate information 2. Quantifiable Damages Due to Verizons Negligence : Your companys actions have directly resulted in severe financial losses : Loss of Home Purchase : The fraudulent collection account on my credit report caused my credit score to plummet by XXXX points ( from XXXX to XXXX ). This directly led to the denial of a mortgage application and the forfeiture of a {$25000.00} down payment on a home I was under contract to purchase. 

Continued Financial Harm : Every day this account remains on my report, I am denied access to credit and competitive interest rates. 

Emotional Distress : This process has caused immense stress, XXXX and has consumed countless hours of my time. 

3. Legal Violations and Formal Demand : XXXX failure to reasonably investigate a disputed debt and its continued reporting of known inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Your inability to ensure the credit bureaus correct their error compounds this violation. 

Therefore, I formally demand the following : Immediate Action : You must immediately contact Equifax, Experian, and TransUnion to enforce your deletion instruction and ensure the permanent removal of this account from my credit file. This is your responsibility as the furnishes Monetary Compensation : A payment of {$25000.00} ( XXXX XXXXXXXX Dollars ) to compensate me for the actual financial damages I have suffered, specifically the loss of my down payment. 

Written Confirmation : Written confirmation from XXXX that the deletion has been completed and that my credit file reflects a {$0.00} balance on this account.

4. Next Steps : You have 15 calendar days from the receipt of this letter to comply with these demands. If you fail to do so, I will immediately initiate binding arbitration against XXXX XXXX as provided for in your Customer Agreement and will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Massachusetts Attorney Generals office for your willful non-compliance with the FCRA. 

The evidence of your error and the harm it has caused is incontrovertible. I expect your prompt action to finally resolve this matter.

Company response to consumer: Closed with explanation