Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Re : Formal Complaint Against Equifax for Violations of FCRA and Deceptive Practices Dear CFPB Representative, I am writing to formally respond to Equifax 's most recent reply through the CFPB Complaint Portal and to submit a new complaint highlighting their ongoing deceptive practices and violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Overview of Equifaxs Ongoing Violations and Deceptive Practices : Despite my multiple submissions of an FTC Identity Theft Affidavit, police report, proof of identity ( government-issued ID, Social Security Card ), and proof of residency, Equifax continues to demonstrate deliberate disregard of my federally protected rights.

Specifically, Equifax has repeatedly engaged in the following illegal practices : 1. Failure to Provide Proper Verification ( FCRA 611 ( a ) ( 7 ) ) Equifax claims they have verified certain disputed accounts ( specifically XXXX XXXXXXXX XXXX  ), yet repeatedly refuses to provide documentation of their verification. Under the FCRA, I am entitled to receive detailed documentation used in their verification process. 
XXXX. Illegal Reinsertion of Previously Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) Equifax has repeatedly reinserted previously deleted information, specifically the XXXX XXXX account, without providing the required 5-day written notice explaining the reinsertion. Such practice directly violates FCRA 611 ( a ) ( 5 ) ( B ).

2. Unauthorized Disputes Equifax has initiated disputes on accounts without my authorization. This practice harms my reputation and standing with creditors, violating my consumer rights under FCRA 623 ( a ) and constitutes deceptive business practices.

3. Refusal to Accept FTC Identity Theft Affidavit and Police Report ( FCRA 605B ) Despite submitting a valid FTC Identity Theft Affidavit, police report, valid identification documents, utility bills, and other required information, Equifax continues to disregard my lawful requests for blocking fraudulent accounts, violating FCRA 605B.

4. Unauthorized Placement of Security Freeze ( FCRA 605A ) Equifax has improperly placed a security freeze on my credit file without my consent or authorization, severely impacting my ability to manage my finances, obtain credit, or engage in normal financial activities. This unauthorized action directly violates FCRA 605A.

Mental and Emotional Impact Equifaxs repeated violations, inadequate investigations, failure to communicate effectively, and deceptive practices have caused significant emotional distress and mental anguish. The ongoing battle to correct my credit report has caused considerable stress, anxiety, and frustration. 
Relevant Case Law Supporting My Complaint * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct genuine investigations, not just rely on creditor responses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Consumer reporting agencies have a duty to maintain maximum accuracy and remove unverifiable or inaccurate information promptly. 
* XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) The requirement of proper notification upon reinsertion of disputed items. 
Requested Actions from CFPB * Require Equifax to provide verifiable documentation of their so-called verification processes. 
* Immediate removal of all unauthorized disputes initiated by Equifax from my credit report.

* Enforce immediate compliance with my FTC identity theft affidavit and police report, blocking disputed fraudulent information permanently.

* Immediate removal of the unauthorized security freeze on my credit profile and a formal apology letter from Equifax acknowledging this violation.

* Award monetary compensation for the emotional distress, mental anguish, and financial damages incurred due to Equifaxs repeated FCRA violations and deceptive practices.

* Enhance monitoring of Equifax 's practices to ensure compliance with federal laws and protection of consumers from future deceptive practices. 
Thank you for your prompt and thorough attention to this very serious matter. 
Respectfully submitted, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation