Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX to 15 U.S.C. 1681i ( FCRA 611 ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over XXXX years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, United States This action must be completed within 10 days. Failure to comply will require a detailed explanation from the XXXX assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible XXXX held personally accountable for financial and emotional damages incurred. 
XXXX compliance is required. 

XXXX has already been deleted and flag as fraud but malpractice has allowed for the issues to persist. This account calling with ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all be deleted immediately.

Company response to consumer: Closed with explanation