Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint because Equifax has failed to properly investigate disputes, correct inaccurate information, and restore access to my credit file despite extensive documentation, repeated verification, and clear evidence of identity theft. 

I am a documented identity theft victim. Over the past several months, Equifax has locked my online account, refused to process disputes, and continued reporting information that is inaccurate, unverifiable, or already corrected by the furnishers themselves. I have mailed copies of my government-issued ID, Social Security card , and proof of address multiple times. I have completed text verification, selfie verification, and additional identity challenges, yet my account remains blocked and unusable. 

No meaningful disputes have been worked since approximately XX/XX/year>. Any improvements to my credit report occurred only because I contacted creditors and collection agencies directly. Equifax has closed CFPB complaints without performing lawful reinvestigations and continues to report accounts that have already been corrected or removed by the other credit bureaus. 

Specific ongoing issues include : Federal student loan accounts serviced by XXXX that report impossible delinquency progressions. The payment history jumps from current directly to 90- and 120-day late without the required 30- and 60-day progression. XXXX confirmed these errors would be corrected, and the late payments were fixed or removed by the other bureaus. Equifax remains the only bureau still reporting the derogatory information and has not updated these accounts since XX/XX/year>. 

An XXXX account that resulted from identity theft, documented across multiple FTC Identity Theft Reports, including an expanded personal statement for clarity. This account was tied to an address I have never lived at. A written dispute and validation request was sent directly to XXXX by mail and received, yet no response was provided within 30 days and no response has been provided to date. An OCC complaint is currently pending. Despite this, Equifax continues to report the account.

A XXXX XXXX XXXX XXXX  repossession account containing material inconsistencies across credit bureaus, including conflicting balances, dates, and post-repossession status. A CFPB complaint was submitted directly to the furnisher. Their response failed to provide lawful notice of repossession or disposition, proof of a commercially reasonable sale, a valid deficiency balance calculation, or proof that notices were sent to an address where I actually lived. Equifax continues to report this account even though the information is unverifiable and inconsistent. 

A medical collection from XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) for services I have never received. This account was reported without validation, without notices, and without proof of liability. Reporting an unverified medical debt without notice or validation is deceptive and unlawful. 

Unauthorized hard inquiries that remain on my report despite identity theft disputes and documentation. These inquiries lack permissible purpose and continue to appear on my Equifax file. 
In addition to inaccurate reporting, Equifaxs refusal to unblock my online portal has prevented legitimate third-party access and time-sensitive financial review. I have been asked for excessive and unreasonable verification steps, including information unrelated to confirming my identity. This has caused significant harm and delay. 

At this point, Equifaxs conduct reflects a pattern of obstruction, not investigation. The continued reporting of inaccurate information, refusal to process disputes, and restriction of access to my own credit file appears willful.

Company response to consumer: Closed with explanation