Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am filing this enraged complaint against Equifax for their deplorable, intentional, and unconscionable violations of federal law in continuing to report the fraudulent XXXX account ( Account Number : XXXX ) on my credit report. I have been relentlessly disputing this account since XX/XX/XXXX, with disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, unequivocally proving this account is a result of identity theft. Yet, Equifaxs stubborn refusal to remove this account, despite irrefutable evidence, has inflicted catastrophic financial harm, emotional distress, and obliterated my ability to establish or maintain credit. Equifaxs actions are a flagrant, egregious violation of multiple federal laws, and I demand the CFPB take immediate action to force Equifax to remove this account, hold them accountable for their gross negligence, and compensate me for the irreparable damage they have caused. 

Inaccuracies in Reporting Equifaxs reporting of the XXXX account is riddled with blatant inaccuracies that have devastated my credit profile : Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as documented in my FTC Identity Theft Report. Equifax continues to report this account as mine, with a {$1700.00} balance past due as of XX/XX/XXXX. 
Re-aging Violation : The account was closed in XX/XX/XXXX, yet Equifax reports a {$1700.00} balance as past due in XX/XX/XXXX, constituting illegal re-aging by making the debt appear more recent. 
Incorrect Payment History : The account shows a charge-off in XXXX, which I did not incur because I never opened or used this account. 
Repeated Reporting : Equifax has been reporting the charge-off repeatedly each month, exacerbating the negative impact on my credit report. 
Failures in Verification Process Equifaxs verification process is a complete sham, demonstrating a willful disregard for their legal obligations : I have disputed this account XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), yet Equifax has failed to remove it or provide any credible evidence of verification. 
Equifax has refused to disclose how they verified this account with XXXX, despite my requests. 
Equifaxs failure to block this information after receiving my FTC Identity Theft Report is a shocking display of negligence.

Legal Violations Equifaxs actions constitute multiple, egregious violations of federal law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation within 30 days of my disputes.

15 U.S. Code 1681i ( a ) ( 5 ) : Equifax failed to delete unverifiable information.

15 U.S. Code 1681i ( a ) ( 6 ) : Equifax failed to provide a description of the reinvestigation process despite my requests.

15 U.S. Code 1681c-2 : Equifax failed to block information resulting from identity theft.

15 U.S. Code 1681c : Equifax engaged in illegal re-aging by updating the balance in XX/XX/XXXX. 
15 U.S. Code 1681b ( 2 ) : Equifax is reporting inaccurate information.

15 U.S. Code 1681b ( 5 ) : Equifax lacks a permissible purpose to report this account.

Fair Credit Billing Act ( FCBA ) : Equifax has failed to correct billing errors, such as the incorrect {$1700.00} balance.

Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect balance and re-aged status, Equifax misrepresents the terms of credit.

Consumer Financial Protection Act ( CFPA ) : Equifaxs refusal to remove this account and their engagement in re-aging constitute unfair and deceptive practices.

Harm Caused Equifaxs willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly destroyed, plummeting due to this fraudulent accounts presence and charge-off status. 
I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability. 
The emotional distress caused by Equifaxs actions is unbearableI have suffered severe anxiety, frustration, and sleepless nights.

I have spent countless hours disputing this account, gathering evidence, and filing complaints.

Equifaxs actions are a deliberate assault on my rights, and I will not tolerate their predatory behavior any longer. The CFPB must act swiftly to force Equifax to remove this account and hold them accountable.

Company response to consumer: Closed with explanation