Consumer complaint received 2025-12-10 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: WA

Complaint narrative:
I am escalating my complaint against Equifax due to multiple violations of the Fair Credit Reporting Act related to identity theft, inaccurate reporting, duplicate accounts, impermissible inquiries, false statements about documentation received, and failure to block fraudulent information as required by law. 

I submitted my complete FTC Identity Theft Report, government-issued ID, and proof of mail multiple timesincluding through prior CFPB complaints. Equifaxs claim that they did not receive the required identity theft documentation is false. They have received it on multiple occasions and are fully aware of the fraudulent accounts associated with my file. Their denial of receipt is a procedural failure and misrepresentation. 

Despite receiving all required documentation under FCRA 605B, Equifax refused to block the accounts within four business days as the statute requires. Instead, Equifax sent me a letter stating they were not blocking at this time, which contradicts the law and contradicts their later actions, as some fraudulent accounts were eventually removed. Blocking is not dependent on furnisher verification and should have occurred immediately. 

Equifax is also reporting multiple versions of the same fraudulent XXXX XXXX account XXXX different account numbers, balances, and date opened fields. For example, the accounts ending in XXXX and XXXX are duplicates of the same identity theft account. XXXX version even lists an impossible Date Opened of XX/XX/year>, which is illegal re-aging. This violates FCRA 605 ( a ) and 607 ( b ), as well as reinsertion requirements. 

These accounts are fraudulent and should have been blocked and permanently deleted under 605B. I am not asking for validation. I am requesting permanent deletion and blocking as required by law. 

Equifax is also allowing fraudulent Account Review Inquiry soft pulls from XXXX Bank and Private Label Retail/Citibank NA XXXX I do not have accounts with these furnishers. These soft pulls prove that fraudulent accounts are still active in XXXX system and that Equifax failed to block them. This violates FCRA 604 ( a ) ( 3 ) regarding permissible purpose. 

Additionally, Equifax is reporting former names ( TAMARAOXIER and TAMARASLATER ) that I no longer use. These names are tied to fraudulent and inaccurate accounts and should have been removed. Under FCRA 609 ( a ) and 611, Equifax is required to maintain accurate personal identifying information.

Equifax has violated multiple sections of the FCRA, including : 605B failure to block identity theft accounts 607 ( b ) failure to ensure maximum possible accuracy 605 ( a ) illegal re-aging and reinsertion 611 ( a ) failure to conduct a lawful reinvestigation 604 ( a ) ( 3 ) inquiries without permissible purpose 623 ( a ) & 623 ( b ) furnisher failures to properly investigate/report I am requesting CFPB enforcement requiring Equifax to : 1. Permanently delete and block ALL identity-theft-related accounts, including duplicates and re-aged versions 2. Remove all fraudulent soft and hard inquiries 3. Remove all incorrect former names associated with my file 4. Correct their 605B blocking process 5. Provide written confirmation of all deletions and blocking I am not requesting validation. 
I am requesting permanent deletion and blocking of all fraudulent, inaccurate, duplicated, and improperly reported information.

Company response to consumer: Closed with explanation