Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NC
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:
Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Equifax for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. 

Despite following all the required steps outlined in your laws 15 USC 1681 C-2, Equifax has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. 

On XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to the major consumer reporting agencies, including Equifax, and they proceeded to open an investigation when they were supposed to block the information after four days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. 

Absolutely nothing in the CFPB laws speaks on an investigation regarding an alleged identity theft. Your laws specifically state that after four days of receipt of the notice of the alleged identity theft, the information must be blocked. These are your words, these are in your laws, and I have fulfilled all my obligations and given all the required documents. Yet, Equifax seems to think they are above the law and will not honor what is in the law. I am seeking remedy from Equifax for their continuous violation of your laws by blocking and deleting the reporting of the alleged identity theft. 

Equifax 's behavior is unacceptable and indicates they feel they are above the law. This is evident despite the various lawsuits against them for identity theft, including the class-action lawsuit in XXXX as part of " In re Equifax Inc . Customer Data Security Breach Litigation ''. The settlement agreement was reached in XX/XX/XXXX. 

This credit bureau has willfully and negligently failed to comply with the FCRA, as evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Equifax believes they are above the law and continue to violate my rights. As the gatekeeper, it is your responsibility to hold this consumer agency accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Equifax be held accountable for their continued violations. 

I demand that the CFPB takes immediate action and holds this consumer reporting agency accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against the credit bureau and the CFPB. 

It is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over the consumer reporting agency would be a willful and negligent violation of the FCRA. Such a failure will result in additional liability on your part, and you will be added to the ongoing litigation process without further notice. Therefore, I demand that you take immediate action to ensure compliance with the FCRA, and to protect my rights as a consumer. 

I urge you to take swift action and ensure that this credit bureau is held accountable for their actions. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation