Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this non-duplicative complaint against Equifax, Experian, and TransUnion for their systemic failure to honor my identity theft protections, as evidenced by their retention and reinsertion of unverified debts from XXXXXXXX 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  ), and all previously outlined accounts linked to my FTC Identity Theft Report # [ Insert Hypothetical Number ]. This issue persists despite disputes since XX/XX/XXXX and prior CFPB complaints ( # XXXX, # XXXX, # XXXX, ). Equifaxs recent letter ( XX/XX/XXXX ) confirms XXXX  reinsertion request, yet no creditor has verified these debts with required documentation. 

Identity Theft Failure : CRAs have ignored the FTC reports mandate to block fraudulent items, allowing unverified accounts to remain or be reinserted. 
Unverified Debts : No bank or collector ( e.g., XXXX for XXXX ) has provided a signed contract, chain of title, proof of delivery, or itemized history, yet collection continues. 
Impact : This damages my credit, invades privacy, and causes ongoing distress. 
4. Legal Violations and Analysis FCRA Violations : 1681i : Requires a 30-day reinvestigation ( due XX/XX/XXXX ) ; failure to remove unverified, identity-theft-linked items breaches this. 
1681s-2 ( b ) : Furnishers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) must verify ; non-compliance mandates deletion. Metro-2 XXXX  must reflect unverified status. 
1681e ( b ) : Lack of reasonable procedures, per the CFPBs XX/XX/XXXX penalty, supports a complete wipe. Metro-2 XXXX  must clear payment status. 
1681c-2 : FTC report triggers a four-day block for identity theft items ; non-compliance violates this. Metro-2 ECOA must exclude fraudulent data.

1681s-2 ( e ) : Demands verification disclosure within 15 days ( due XX/XX/XXXX ). 
FDCPA Violations ( via Furnisher Actions ) : 1692c ( a ) ( 3 ) : Prohibits workplace contact ( e.g., XXXX ) without consent. 
1692g : Unverified debts must cease, per XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). Metro-2 XXXX  must reflect non-collection. 
1692e : Misrepresenting unverified debts is false.

1692f : Unfair practices ( e.g., reinsertion ) are prohibited.

FCBA Violations : 1666 : Requires correction of billing errors ( e.g., non-delivery ) ; failure violates this.

FTC Act 5 Violations : 15 U.S.C. 45 : Unfair/deceptive retention of unverified, identity-theft-linked data causes harm.

Ohio XXXX Violations : ORC 1345.02 : Deceptive reporting of unverified debts breaches state law. 
ORC 1345.03 : Unconscionable acts ( e.g., privacy invasion ) are actionable. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Reinforces cessation for unverified debts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Supports damages for improper reporting. 
Equity Principles : Fairness demands relief from systemic identity theft mishandling and unverified data retention.

Company response to consumer: Closed with explanation