Consumer complaint received 2025-07-29 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:
Subject : THIRD NOTICE Equifax Ongoing FCRA 605B Violation Refusal to Block Fraudulent Inquiries After Identity Theft Report To the CFPB, This is now my third formal complaint against Equifax for blatant and willful violations of the Fair Credit Reporting Act, specifically 605B. Despite my fully compliant identity theft dispute originally submitted on XX/XX/XXXX and my follow-up complaint on XX/XX/XXXX Equifax continues to defy federal law by refusing to block the following unauthorized hard inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Let me be clear : these inquiries were made without my knowledge or authorization, and I have never applied for credit with these entities. My submission included everything required under 605B, including an FTC Identity Theft Report, government-issued photo ID, Social Security card , proof of current address, and my annotated credit report clearly identifying the fraudulent entries.

Equifax has no legal right to delay or ignore my demand. Under FCRA 605B ( c ) ( 1 ), they are required to block all information resulting from identity theft within 4 business days of receiving a valid report. Theyve now had over 50 days to comply. Their continued failure is not negligence it's obstruction. 

In their response dated XX/XX/XXXX, Equifax attempted to shift responsibility to me by stating that inquiries are " a matter of fact '' and that I should contact the creditors directly. This is a complete misrepresentation of federal law. Under 605B ( c ) ( 3 ), Equifax is prohibited from contacting the furnishers or reinvestigating once a valid ID theft report has been submitted. Their deflection is not only irrelevant it's illegal.

Furthermore, Equifax has violated : 605B ( a ) by failing to block the disputed inquiries 605B ( b ) by failing to provide written notice of refusal to block within 4 business days 605B ( c ) ( 3 ) by sidestepping their legal obligation and shifting the burden to the victim 607 ( a ) by continuing to knowingly report false information after formal notification This is systemic non-compliance. Equifax has been notified multiple times, and yet they continue to report false and damaging data that resulted from identity theft. At this point, I demand regulatory enforcement.

Requested resolution : Immediate deletion of all disputed hard inquiries listed above from my Equifax credit report Full written confirmation that these inquiries have been blocked in accordance with 605B Public record of this CFPB complaint attached to Equifaxs response for noncompliance Monetary penalties and regulatory pressure applied to Equifax for repeated violations of consumer rights under the FCRA Let this serve as formal notice : if Equifax fails to take immediate corrective action, I will pursue escalation through legal counsel, file complaints with the FTC and state attorney general, and initiate civil litigation if necessary. I am done asking nicely.

Company response to consumer: Closed with explanation