Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

(a)XXXX.Exceptasotherwiseprovidedinthissection,aconsumerreportingagencyshallblockthereportingofanyinformationinthefileofaconsumerthattheconsumeridentifiesasinformationthatresultedfromanallegedidentitytheft,notlaterthanXXXXbusinessdaysafterthedateofreceiptbysuchagencyof(XXXX)appropriateproofoftheidentityoftheconsumer;XXXXXXXXXXXXacopyofanidentitytheftreport;(XXXX)theidentificationofsuchinformationbytheconsumer;andXXXXXXXXXXXXastatementbytheconsumerthattheinformationisnotinformationrelatingtoanytransactionbytheconsumer.XXXXb)Notification.AconsumerreportingagencyshallpromptlynotifythefurnisherofinformationidentifiedbytheconsumerundersubsectionXXXXa)ofthissection(XXXX)thattheinformationXXXXbearesultofidentitytheft;(XXXX)thatanidentitytheftreporthasbeenfiled;(XXXX)thatablockhasbeenrequestedunderthissection;and(XXXX)oftheeffectivedatesoftheblock.XXXXcXXXXXXXXtodeclineorrescind.(XXXX)Ingeneral.AconsumerreportingagencyXXXXdeclinetoblock,orXXXXrescindanyblock,ofinformationrelatingtoaconsumerunderthissection,iftheconsumerreportingagencyreasonablydeterminesthat(A)theinformationwasblockedinerrororablockwasrequestedbytheconsumerinerror;(B)theinformationwasblocked,orablockwasrequestedbytheconsumer,onthebasisofamaterialmisrepresentationoffactbytheconsumerrelevanttotherequesttoblock;or(C)theconsumerobtainedpossessionofgoods,services,ormoneyasaresultoftheblockedtransactionortransactions.(XXXX)Notificationtoconsumer.Ifablockofinformationisdeclinedorrescindedunderthissubsection,theaffectedconsumershallbenotifiedpromptly,inthesamemannerasconsumersarenotifiedofthereinsertionofinformationundersectionXXXX(a)(XXXX)(B)ofthistitle.(XXXX)Significanceofblock.Forpurposesofthissubsection,ifaconsumerreportingagencyrescindsablock,thepresenceofinformationinthefileofaconsumerpriortotheblockingofsuchinformationisnotevidenceofwhethertheconsumerkneworshouldhaveknownthattheconsumerobtainedpossessionofanygoods,services,ormoneyasaresultoftheblock.(d)Exceptionforresellers.(XXXX)Noresellerfile.Thissectionshallnotapplytoaconsumerreportingagency,iftheconsumerreportingagency(A)isareseller;(B)isnot,atthetimeoftherequestoftheconsumerundersubsection(a)ofthissection,otherwisefurnishingorresellingaconsumerreportconcerningtheinformationidentifiedbytheconsumer;and(C)informstheconsumer,byanymeans,thattheconsumerXXXXreporttheidentitythefttotheXXXXtoobtainconsumerinformationregardingidentitytheft.(XXXX)Resellerwithfile.Thesoleobligationoftheconsumerreportingagencyunderthissection,withregardtoanyrequestofaconsumerunderthissection,shallbetoblocktheconsumerreportmaintainedbytheconsumerreportingagencyfromanysubsequentuse,ifXXXXXXXXXXXXtheconsumer,inaccordancewiththeprovisionsofsubsection(a)ofthissection,identifies,toaconsumerreportingagency,informationinthefileoftheconsumerthatresultedfromidentitytheft;andXXXXXXXXXXXXtheconsumerreportingagencyisareselleroftheidentifiedinformation.(XXXX)Notice.Incarryingoutitsobligationunderparagraph(XXXX),theresellershallpromptlyprovideanoticetotheconsumerofthedecisiontoblockthefile.Suchnoticeshallcontainthename,address,andtelephonenumberofeachconsumerreportingagencyfromwhichtheconsumerinformationwasobtainedforresale.XXXXXXXXXXXXXXXXforverificationcompanies.Theprovisionsofthissectiondonotapplytoacheckservicescompany,actingassuch,whichissuesauthorizationsforthepurposeofapprovingorprocessingnegotiableinstruments,electronicfundtransfers,orsimilarmethodsofpayments,exceptthat,beginningXXXXbusinessdaysafterreceiptofinformationdescribedinparagraphs(XXXX)through(XXXX)ofsubsection(a)ofthissection,acheckservicescompanyshallnotreporttoanationalconsumerreportingagencydescribedinsectionXXXX(p)ofthistitle,anyinformationidentifiedinthesubjectidentitytheftreportasresultingfromidentitytheft.(f)Accesstoblockedinformationbylawenforcementagencies.NoprovisionofthissectionshallbeconstruedasrequiringaconsumerreportingagencytopreventaXXXX,XXXX,orlocallawenforcementagencyfromaccessingblockedinformationinaconsumerfiletowhichtheagencycouldotherwiseobtainaccessunderthissubchapter