Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax continues to violate my FCRA rights under FCRA 605B 15 U.S.C. 1681c-2. I submitted original CFPB complaint # XXXX. After submitting the complaint I am notified that Equifax has chosen to list a notation that the account is in dispute. THIS HAS NEVER BEEN A DISPUTE. This is a fraudulent account and my information is being provided to all these companies that do not have a right to my personal information. These accounts are fraudulent and should be removed within XXXX days from my account. Law enforcement has already been notified about the fraudulent accounts and all three Credit Reporting agencies have a fraud alert on my account. Do not know what else to say other than these accounts are FRAUDULENT and must be deleted. I have also added the FCRA guideline below : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block. 

Authority to decline or rescind In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- the information was blocked in error or a block was requested by the consumer in error ; the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block. 

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 

Exception for resellers No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- is a reseller ; is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft.

( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and the consumer reporting agency is a reseller of the identified information.

Company response to consumer: Closed with explanation