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: GA

Complaint narrative:
XXXX XXXX XXXX, through its agent XXXX XXXX XXXX XXXX, is furnishing false, misleading, and re-aged information on my Equifax credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 5 ), and 1681s-2 ( b ) ( 1 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ). 

On XX/XX/XXXX, I disputed the same XXXX  tradeline with XXXX  ( Dispute # XXXX ). XXXX  completed its reinvestigation, determined the account was opened fraudulently, and deleted the item from my report. This deletion confirms XXXX XXXX XXXX failed to verify ownership or accuracy of the alleged debt. Under the FCRA, once a furnisher can not verify an account with one credit reporting agency, it must cease reporting the same unverifiable information to other credit bureaus until it can fully substantiate the account with original documentation. 

Despite that verified deletion, XXXX continues to report the same account to Equifax as an open debt buyer account with a Date Opened of XX/XX/XXXX, a {$280.00} balance, and a Date of First Delinquency of XX/XX/XXXX. This constitutes illegal re-aging and continued furnishing of unverified data. Equifaxs reinvestigation response confirms that information on your report has been updated, yet the tradeline remains and now reflects Consumer Disputes This Account Information. 

I specifically requested complete verification of the alleged account and all supporting documentation required to lawfully furnish or verify the tradeline. The information I requested included : A full copy of the original signed agreement or contract with the alleged original creditor ; A complete payment and charge-off history from the original creditor ; The Date of First Delinquency ( DOFD ) reported to the credit bureaus and the method used to determine it ; Proof of assignment, purchase, or chain of custody establishing XXXXXXXX XXXX XXXX  ownership of the account and right to collect or report it ; Documentation establishing LVNVs legal authority to furnish data to any consumer reporting agency under the FCRA ; Validation of the reported balance, including a full, itemized accounting of all fees, interest, or charges applied after the alleged charge-off ; and Copies of all internal investigation records, e-OSCAR or ACDV communications, and correspondence exchanged between XXXX, XXXX XXXX XXXX, and Equifax during the reinvestigation XXXX 

None of this documentation was ever provided by XXXX XXXX XXXX or Equifax. Both entities simply updated the tradeline without providing verification or evidence of ownership. This failure to produce the requested documentation demonstrates that neither XXXX XXXX XXXX nor Equifax conducted a reasonable reinvestigation as required by 15 U.S.C. 1681i and 1681s-2 ( b ), and that the continued furnishing of unverifiable and re-aged information violates 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 5 ). 

XXXX  conduct constitutes : 1. Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681s-2 ( a ) ( 1 ) ( A ) ) ; 2. Illegal re-aging by reporting a false Date Opened inconsistent with the true DOFD ( 1681s-2 ( a ) ( 5 ) ) ; 3. Failure to cease furnishing inaccurate data after receiving notice of dispute ( 1681s-2 ( b ) ( 1 ) ) ; and 4. False communication of disputed debt information ( 1692e ( 8 ) ). 

This unlawful reporting misrepresents the age, status, and ownership of the account, damaging my creditworthiness and misleading potential creditors. 

Requested Action : XXXX. Order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to delete this tradeline from all consumer reporting agencies and certify deletion to Equifax and me in writing. 
XXXX. Direct Equifax to suppress or permanently delete the XXXX XXXX  and ensure no further publication occurs. 
XXXX. Refer XXXX XXXX XXXX for regulatory enforcement due to its pattern of furnishing unverifiable and re-aged accounts following verified deletion by another credit bureau. 

Evidence Provided : XXXX  dispute result confirming deletion ( Dispute # XXXX ). 
Equifax reinvestigation results showing continued reporting. 
Equifax tradeline showing false Date Opened XX/XX/XXXX and balance {$280.00} after verified deletion. 

LVNVs continued publication of demonstrably false information after verified deletion constitutes willful noncompliance under 15 U.S.C. 1681n. I am formally placing both XXXX and Equifax on notice that any further reporting of this unverifiable tradeline will result in immediate escalation for statutory and punitive damages under the FCRA and FDCPA.

Company response to consumer: Closed with explanation