Consumer complaint received 2025-01-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Follow-Up Complaint Against Equifax for Noncompliance with FCRA and Deceptive Practices Dear CFPB Representative, I am writing to follow up on my ongoing complaint against Equifax, as they continue to demonstrate noncompliance with the Fair Credit Reporting Act ( FCRA ) and engage in deceptive practices that harm consumers. 
Despite my submission of all required documentation, including an FTC Identity Theft Report, a police report, and valid proof of identity, Equifax : XXXX. Refuses to block fraudulent information : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block fraudulent accounts and inquiries upon receipt of proper documentation. However, fraudulent accounts, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX  * Multiple XXXX XXXX accounts * XXXXXXXX XXXX  * XXXX Systemsremain on my credit report. 
XXXX. Allows repeated reinsertion of disputed items without proper certification or notification : * XXXX XXXX XXXX was removed but later reinserted without the legally required certification and consumer notification, violating FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX. Fails to address unauthorized inquiries : Numerous inquiries, such as those from XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX via Dealer, lack permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) and should have been removed. 
XXXX. Disregards its investigative obligations : Despite disputing these items and providing evidence of identity theft, Equifax repeatedly " verifies '' the accounts and inquiries without providing documentation that links me to them, as required by FCRA 609 ( 15 U.S.C. 1681g ). 
XXXX. Fails to comply with data breach responsibilities : My personal information, including my name and Social Security number, has been involved in multiple data breaches and found on the dark web, increasing my vulnerability to identity theft. Equifax has not implemented any additional safeguards to prevent further harm. 
Harm Caused : * Financial Harm : Denied credit opportunities and higher interest rates due to false reporting. 
* Reputational Damage : Misleading information on my credit report continues to harm my creditworthiness. 
* Emotional Distress : Experiencing prolonged stress and frustration from Equifaxs negligence and failure to comply with federal law. 
Relief Requested : I am seeking immediate intervention from the CFPB to ensure Equifaxs compliance with the FCRA and accountability for their practices. Specifically : XXXX. Enforcement of an immediate and permanent block on all fraudulent accounts and inquiries. 
XXXX. Prohibition of future reinsertions without strict adherence to FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX. Documentation proving Equifaxs verification process for disputed items. 
XXXX. Monetary compensation of {$15000.00} for the financial and emotional damages caused by their violations. 
XXXX. Implementation of stricter safeguards for identity theft victims, particularly those affected by data breaches. 
I request that the CFPB hold Equifax accountable for their failures and ensure that they comply with all relevant laws. I am happy to provide additional documentation or participate in further investigation to support this matter. 
Thank you for your continued assistance in protecting consumers rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief