Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Theft & FCRA Violations XXXX  XXXX Account Reporting To Whom It May Concern, This is a formal complaint against Equifax for serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite multiple disputes and identity theft reports, Equifax continues to report a fraudulent XXXX XXXX  credit card account ( Account Number ending in XXXX ) with a balance of {$11000.00}, originally opened without my knowledge or consent. I am demanding immediate deletion and permanent suppression of this account due to Equifaxs failure to investigate accurately and provide required documentation. 

Violations : 1. 15 U.S. Code 1681i ( a ) Equifax failed to conduct a proper reinvestigation of disputed information. No method of verification, investigation results, or documents have been provided.

2. 15 U.S. Code 1681e ( b ) Equifax failed to ensure maximum possible accuracy by continuing to report a XXXX XXXX  account that is proven to be fraudulent. 
3. 15 U.S. Code 1681g & 1681h Equifax failed to disclose to me all information in their file, including sources and contacts used to verify the XXXX account. 
4. 15 U.S. Code 1681s-2 ( b ) As a furnisher of information, XXXX XXXX  was obligated to conduct a reasonable investigation after notice of a dispute. Equifax continued reporting the item despite multiple notices and supporting identity theft documentation. 
5. FCRA 605B ( 15 U.S.C. 1681c-2 ) I submitted a valid FTC Identity Theft Report ( Report # XXXX ) and a full police report, yet Equifax failed to block the fraudulent account as required by law within the 4-business-day window. 
6. Metro 2 Compliance Violation The XXXX XXXX is being reported with inaccurate payment history, charge-off data, and fails to reflect the required dispute coding and blocking requirements under the Metro 2 Format established by the XXXX XXXX XXXX XXXX XXXX XXXX ). 

Supporting Documentation Provided : FTC Identity Theft Report ( FTC Report # XXXX ) Full Police Report Drivers License and Social Security card Dispute Letter requiring Human Review under 1681i and 1681e ( b ) Snapshot of Equifax credit file showing the XXXX XXXX account details Despite all of this, Equifax keeps sending template responses claiming the account is verified as accurate without providing any documentation, method of verification, or investigation detail. This is unacceptable, unprofessional, and harmful. 

Harm Caused : Emotional distress and anxiety due to false reporting Denials of credit and financial opportunities Reputational damage and increased financial risk DEMAND : I am demanding that the CFPB intervene immediately to : Delete and permanently block the XXXX XXXX  account from my Equifax credit report Enforce full FCRA and Metro 2 compliance Require Equifax to provide all documentation, contacts, and method of verification related to this investigation Ensure Equifax does not reinsert this item without certified proof and proper notice as required by 1681i ( a ) ( 5 ) I request that the CFPB take urgent action to hold Equifax accountable for its unlawful actions and compel immediate correction and deletion of this identity theft-related tradeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief