Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Equifax Denied Fraud Block Request FCRA 605B Violation and Use of Unverified Third-Party Data I submitted a fraud block request to Equifax on XX/XX/year> under FCRA 605B to block inaccurate and fraudulent information on my credit report. I provided all required documentation to substantiate my identity theft claim, including : 1. A valid Identity Theft Report from the Federal Trade Commission ( FTC ). 
2. Proof of my identity and address. 

Equifax denied my request in a letter dated XX/XX/year>, stating they would not block the disputed items. Their response claimed that for Equifax to block information under FCRA 605B, I must provide : - Proof of my identity. 
- Specific information regarding the fraudulent accounts. 
- A complete and submitted FTC Identity Theft Report or a police report. 

This denial is unfounded because I included all the required documentation with my original request. Equifaxs failure to recognize or acknowledge the proper documentation violates FCRA 605B, which mandates that credit reporting agencies block fraudulent information within four business days of receiving valid proof. 

Additionally, Equifaxs letter states that they will contact the creditors to verify the disputed information and forward my documentation to them. This process does not substitute for the immediate block required by law under 605B. It is Equifaxs legal responsibility to block the fraudulent items without delay, irrespective of any creditor response. 

The fraudulent items I requested to block include : XXXX XXXXbankruptcy - Account Number XXXX. 
USBK Court/bankruptcy - case number XXXX. 

Why Equifaxs Actions Violate the FCRA 1. Failure to Comply with FCRA 605B : Equifax is required to block fraudulent information within four business days of receiving proper documentation. By delaying action and shifting the burden to creditors, Equifax is in direct violation of this section. 

2. Unjustified Documentation Demands : Equifax has falsely claimed I failed to provide required documentation, despite my submission of a valid FTC Identity Theft Report, and proof of identity and address. 

3. Use of Unverified and Inaccurate Data : Equifaxs reliance on third-party data, rather than verifying information with original sources, further undermines the accuracy and integrity of its credit reporting process. For example, I received a letter from the United States Bankruptcy Court, which explicitly states : " The Clerk 's Office does not provide information to credit reporting agencies. Credit reporting agencies access the Court 's data by visiting the office and reviewing records or by logging into the United States Court 's Public Access to Court Records ( PACER ) system with an approved login and password. Further, the Clerk 's Office is not responsible for the use or misuse of any information so gathered by third parties, such as credit reporting agencies. '' This letter confirms that Equifax has failed to verify bankruptcy information with the original source ( the Clerks Office ) and relied instead on questionable third-party sources.

Company response to consumer: Closed with non-monetary relief