Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and Equifax has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and prior settlements. 
On XX/XX/XXXX, I submitted a formal notice of identity theft to Equifax, along with all required documentation. This included : A copy of my government-issued identification. 
Proof of address. 
An FTC Identity Theft Report. 
A police report documenting the identity theft. 
In my notice, I identified the following fraudulent accounts and information that must be blocked and removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all legally required documentation, Equifax has not blocked or removed the fraudulent accounts and information from my credit report. They have also failed to provide any written confirmation or explanation for their inaction, as required under the FCRA. 

Equifaxs inaction violates the following provisions of the FCRA : 15 U.S.C. 1681c-2 ( a ) : Requires Equifax to block and remove fraudulent information within four ( 4 ) business days of receiving notice and supporting documentation. 
15 U.S.C. 1681c-2 ( b ) : Requires Equifax to notify furnishers of fraudulent information of the block and removal within five ( 5 ) business days. 
15 U.S.C. 1681c-2 ( c ) : If Equifax refuses to block or remove the information, they are required to provide me with a notarized copy of evidence supporting their decision and an affidavit attesting to the authenticity of the disputed information. Equifax has failed to fulfill these obligations. 

Equifaxs failure to block and remove the fraudulent accounts and information has caused me significant harm, including : Denial of Housing : I have been denied rental housing because of the fraudulent accounts negatively impacting my creditworthiness. 
Denial of Credit : I have been denied credit and loans, including an auto loan, due to the false information on my credit report. 
Emotional Distress : The stress, anxiety, and frustration caused by Equifaxs inaction have significantly impacted my personal and financial well-being. 

Equifaxs failure to act is particularly egregious given their prior legal obligations under the XXXX Federal Trade Commission settlement following their XXXX data breach. This settlement required Equifax to improve its handling of consumer disputes, ensure the accuracy of credit reports, and promptly block fraudulent information related to identity theft. 

Equifaxs noncompliance demonstrates a continued disregard for its obligations to consumers and the law. I respectfully request that the CFPB investigate this matter and hold Equifax accountable for its violations of the FCRA and prior settlement agreements.

Company response to consumer: Closed with non-monetary relief