Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for its continued and deliberate failure to remove fraudulent accounts associated with XXXX XXXX XXXX and XXXX from my credit report, despite multiple disputes and the provision of credible supporting documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report. 

NATURE OF THE FRAUD The two accounts in question XXXX XXXX XXXXl ( allegedly opened in 2021 ) and XXXX are fraudulent. I had no knowledge, involvement, or authorization in the creation or management of these accounts. 

A key indicator of their fraudulent nature is that neither account appeared on my credit report during the time they were open. They only surfaced after being charged off or placed in collections. This is a well-documented red flag in fraud detection, as legitimate accounts should be reported from the time of opening. 

LACK OF ACCOUNT HISTORY AND VERIFIABLE DETAILS When I requested full account histories from XXXX XXXX XXXX and XXXX, both parties failed to provide basic required details including : Original creditor information ( XXXX XXXX could not name who they purchased the account from ) Full account opening and payment history Signed agreements or terms Any documentation showing I ever opened or authorized these accounts This failure renders the accounts unverifiable and inaccurate, thereby requiring removal under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) Credit reporting agencies must delete information that can not be verified. 

15 U.S.C. 1681s-2 ( b ) Furnishers of information must correct or delete inaccurate data after a dispute. 

CFPB AND EQUIFAX 'S INVESTIGATION FAILURES Despite multiple disputes filed with Equifax and supporting documentation including an FTC Identity Theft Report, Equifax has refused to delete the accounts. Equifax agents even invalidated the FTC report, claiming it was missing two blank pages a claim that is both absurd and baseless. They are fully capable of retrieving a valid and complete report directly from XXXX themselves but have willfully refused to do so. This points to investigative negligence and willful noncompliance. 

LEGAL GROUNDS Equifax 's continued reporting of these accounts, knowing they are fraudulent and unverifiable, constitutes : Willful Noncompliance ( 15 U.S.C. 1681n ) Negligent Noncompliance ( 15 U.S.C. 1681o ) Failure to Reinvestigate ( 15 U.S.C. 1681i ) Failure to Accurately Report Disputed Information ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) DEMAND FOR ACTION I am requesting that the CFPB : Open a formal investigation into Equifaxs handling of these disputes. 

Require Equifax to immediately delete the XXXX XXXX  XXXX and XXXX accounts from my credit file. 

Review Equifaxs dispute and investigation procedures for systemic negligence and failure to comply with FCRA requirements. 

Penalize Equifax for its blatant disregard of consumer protection standards. 

I have enclosed a copy of my FTC Identity Theft Report and all related dispute correspondence. 

Should Equifax continue its unlawful reporting practices, I am prepared to pursue civil litigation and seek damages under the FCRA. 

Thank you for your immediate attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation