Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
On or about XX/XX/XXXX ( Exhibit 1.0 ), XXXX XXXX XXXX  ( Exhibits 2.0, 2.1, 2.2 ), and again XXXX XXXX XXXX ( Exhibits 3.0, 3.1 ), I filed multiple disputes with Equifax regarding a XXXX Personal Loans account ending XXXX that I do not own. Equifax continues to publish this account as Pays As Agreed, despite my notice that my SSN was used without my consent and despite the identity-verification documents I provided ( Exhibit 6.0 ).

Exhibit 5.0, and all of Equifaxs own investigation records, show that this account was closed years ago, yet Equifax still reports it as active and Pays As Agreed. The confirmation from XXXX Personal Loans clearly states that no such account exists and none is open or Pays As Agreed under my SSN and in Equifax dispute results demonstrating the alleged account does not exist and was closed in XXXX. To place an account that does not exist status is " Pays As Agreed '' on my SSN is Discriminatory and FRAUD! 

Equifaxs reinvestigation letters repeatedly updated the tradeline instead of deleting or blocking it. For example, Exhibit 2.2 ( XX/XX/XXXX ) claims the creditor reported the account Closed while simultaneously showing Pays As Agreed, and Exhibit 3.1 ( XX/XX/XXXX ) still lists the same Fraudulent status " Pays As Agreed '' I DO NOT OWN A XXXX PERSONAL LOANS ACCOUNT. I also filed a prior CFPB complaint ( Exhibit 4.0, XXXX # XXXX ), yet the conduct persists. 

As a XXXX, XXXX female, I believe Equifaxs continued disregard of my documented evidence and repeated dismissals of my disputes demonstrate discriminatory and unequal treatment. This pattern reflects inadequate investigations and a failure to block known fraudulent information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) accuracy, 1681i reinvestigation, and 1681c-2 identity-theft blocking ). Such neglect undermines the principles of fair consumer protection. I respectfully request CFPB enforcement to compel Equifax to cease knowingly reporting false and discriminatory information connected to my SSN.

Exhibit Index : Exhibit 1.0 Discover Personal Loan Dispute ( submitted XXXX XXXX, XXXX ) Exhibit 1.1 Equifax Repeated Fraudulent Dispute Results ( XX/XX/XXXX ) showing continued Pays As Agreed Exhibit XXXX Equifax XXXX Personal Loan Dispute details ( XX/XX/XXXX ) Exhibit 2.1 Equifax Dispute Confirmation ( XX/XX/XXXX ) Exhibit 2.2 Equifax Repeated Fraudulent Dispute Results ( XX/XX/XXXX ) stating showing continued Pays As Agreed I Do Not Have a XXXX Personal Loan Account. It is Fraud.

Exhibit 3.0 Dispute confirmation ( XX/XX/XXXX ) Conf. # XXXX Exhibit 3.1 Equifax XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) showing continued Pays As Agreed I Do Not Have a XXXX Personal Loan Account. It is Fraud. 
Exhibit 4.0 CFPB Case # XXXX ( XXXX XXXX ) portal record and response trail ; I Do Not Have a XXXX Personal Loan Account. It is Fraud. 
Exhibit XXXX Equifax Repeated Fraudulent Reporting showing continued Pays As Agreed I Do Not Have a XXXX Personal Loan Account. It is Fraud. 
Exhibit 6.0 Government ID and Social Security card

Company response to consumer: Closed with non-monetary relief