Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SENT VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTN : LEGAL & EQUIFAX CONSUMER AFFAIRS Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : URGENT FORMAL DISPUTE FCRA 605B VIOLATION, SSA FRAUD, AND DEMAND FOR CRIMINAL PROSECUTION Dear Equifax Legal & Consumer Affairs Team, I am formally demanding immediate action regarding fraudulent accounts, unauthorized credit access, and deliberate FCRA violations by Equifax, which have resulted in identity theft, financial fraud, housing denials, and the obstruction of a federal investigation. Despite multiple documented attempts to correct these issues, Equifax has failed to act in compliance with federal law, making your agency complicit in financial harm and criminal negligence.

IDENTITY THEFT, SOCIAL SECURITY FRAUD & CRIMINAL VIOLATIONS I am a documented victim of identity theft, as supported by : FTC Identity Theft Report # XXXX XXXX XXXX XXXX Report # XXXX Official Complaint with the Social Security Administration ( SSA ) & Office of Inspector General ( OIG ) Pending U.S. Treasury Department Inquiry into SSA fraud involving financial institutions Formal Complaint with the U.S. Department of Justice ( DOJ ) for criminal prosecution under 18 U.S.C. 1028 The fraudulent use of my Social Security number ( SSN ) in unauthorized financial transactions has forced me to request a new SSN from the SSA. I am currently awaiting my appointment for reissuance of a new SSN due to the illegal misuse of my existing one, including fraudulent loans, accounts, and SSA-89 form forgeries.

ONGOING CREDIT REPORT RESTRICTIONS & FAILURE TO REMOVE FRAUDULENT ACCOUNTS This issue originated in XX/XX/XXXX, when a XXXX XXXX trustee illegally accessed my credit file by fraudulently signing an SSA-89 form to gain unauthorized access to my financial data. Since then : Equifax has failed to properly investigate and remove fraudulent accounts as required by law.

My credit report access has been unlawfully restricted under false pretense.

Equifax has ignored federally mandated deadlines for blocking fraudulent information per FCRA 605B. 
DOCUMENTED COMMUNICATIONS WITH EQUIFAX XX/XX/XXXX I contacted Equifax Consumer Affairs, was told my report could only be mailed, and received Confirmation # XXXX. The mailed report contained multiple fraudulent accounts that Equifax failed to remove. 
XX/XX/XXXX I spoke with XXXX at Equifax, who again told me my report would be mailed, providing the following confirmation numbers : o XXXX o XXXX o XXXX ( with credit score ) o XXXX XX/XX/XXXX I spoke with Tier 3 Representative XXXX, who confirmed my identity but failed to explain why I was unable to dispute or access my report online. 
FORMAL DEMAND FOR FRAUD BLOCKING & DISPUTE RESOLUTION This is a formal dispute and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ) for the immediate blocking and removal of fraudulent accounts on my credit report. 
Disputed Fraudulent Accounts : Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3800.00} Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : N/A Legal Requirement : Under FCRA 605B, Equifax is legally required to block these fraudulent accounts within four ( 4 ) business days after receiving my identity theft documentation.

Equifax must notify the furnishers of these accounts that they have been flagged as fraudulent.

Failure to comply will result in liability under FCRA 616 & 617.

CRIMINAL LIABILITY & REFERRAL TO DOJ & U.S. TREASURY DEPARTMENT I am formally referring this case to the U.S. Department of Justice ( DOJ ) for criminal prosecution under the following federal statutes : 18 U.S.C. 1028 Identity Theft & Fraudulent Use of Identification Documents 18 U.S.C. 1014 False Statements to Financial Institutions 18 U.S.C. 1344 Bank Fraud 15 U.S.C. 1681q Willful Noncompliance by a Credit Reporting Agency Equifaxs actions have contributed to the fraudulent use of my SSN and obstruction of justice in an ongoing SSA investigation. As such, I am also filing a complaint with the U.S. Treasury Department for financial fraud committed through unauthorized access to my Social Security number and personal financial data.

IMMEDIATE TEMPORARY SUPPRESSION OF DISPUTED ACCOUNTS Under FCRA 1681i ( a ) ( 1 ) ( A ) & FCRA 1681s-2 ( a ) ( 3 ), I am demanding that these disputed accounts be immediately suppressed from my credit file until the reinvestigation is completed.

FINAL WARNING FAILURE TO COMPLY WILL RESULT IN CIVIL & CRIMINAL ACTION If Equifax fails to : Block these fraudulent accounts within four business days ( 605B ).

Provide detailed verification under 611.

Correct mixed file errors & remove any and ALL unauthorized restrictions.

Comply with maximum accuracy requirements under 607 ( b ).

I have immediately : 1. Filed formal criminal complaints with the DOJ, U.S. Treasury, CFPB, FTC, SSA OIG, and my state Attorney General.

2. Within 5 days Initiate legal action under FCRA 616 & 617, seeking statutory damages, punitive damages, and full attorney fees.

3. Request injunctive relief for immediate removal of these fraudulent accounts.

4. Demand that Equifax submit a Universal Data Form ( UDF ) update to permanently delete these accounts.

If this matter is not resolved immediately, I will pursue my private right of action under the FCRA and FACTA in federal or small claims court. 
Sincerely, XXXX XXXX Enclosures : Copy of Government-Issued ID Proof of Address Legal Guardianship Documentation Police Report # XXXX FTC Identity Theft Report # XXXX SSA OIG Case Reference & Pending SSA Reissuance Request XXXX XXXX XXXX for XXXXXXXX XXXX XXXX in treatment Appointment Confirmation Inbox XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me Thank you for contacting the Social Security Administration. You scheduled an in-office appointment with us. This is confirmation of the date and time of your appointment.

Company response to consumer: Closed with non-monetary relief