Consumer complaint received 2025-03-18 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: MS

Complaint narrative:
Subject : Complaint for Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ) and Failure to Address Fraudulent Items To Whom It May Concern, I am writing to formally file a complaint against Equifax Information Services LLC ( Equifax ) for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), which requires consumer reporting agencies to block information resulting from identity theft. Additionally, Equifax has failed to properly investigate and remove fraudulent accounts from my credit report despite multiple disputes and verifications of closed accounts.

Background and Violations 1. Failure to Comply with 15 U.S.C. 1681c-2 ( Section 605B ) : On XX/XX/year>, I submitted a request for Equifax to block fraudulent items on my credit report in accordance with FCRA Section 605B. This request was accompanied by all necessary supporting documentation, including a police report, identity theft affidavit, and proof of identity.

Despite my compliance with the statutory requirements, Equifax failed to block the fraudulent items within the mandated four business days or provide a valid reason for refusal. 
2. Failure to Properly Investigate and Remove Fraudulent Accounts : I have disputed multiple fraudulent accounts and inquiries with Equifax, providing sufficient evidence that these accounts were opened without my authorization.

Equifax has either failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i or has improperly verified fraudulent accounts as accurate, despite clear documentation of identity theft.

Certain accounts that were closed due to fraud continue to appear on my credit report, negatively affecting my creditworthiness.

Demand for Resolution Given Equifaxs violations of federal law, I demand the following immediate actions : 1. Immediate Blocking and Removal of All Fraudulent Accounts and Inquiries from my credit file in accordance with FCRA Section 605B.

2. A Detailed Explanation and Supporting Documentation on how Equifax verified these fraudulent accounts as accurate.

3. A Statement of Correction to be sent to all creditors and lenders who have accessed my report since the fraudulent items appeared.

4. A Formal Written Response within 30 days confirming compliance with my requests and the corrective actions taken.

If Equifax fails to take corrective action promptly, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will consider initiating a lawsuit for damages under FCRA provisions. 

Please treat this matter with urgency, as your continued non-compliance is causing me undue harm. I expect your response no later than [ 30 days from the date of this letter ]

Company response to consumer: Closed with non-monetary relief