Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/2024 Subject : XXXX XXXX Equifax for Failing to Fix Credit Report Despite Providing Identity Verification Complaint Summary : I am filing this complaint against Equifax for its failure to correct inaccuracies on my credit report, even after requesting and receiving documentation to verify my identity. Equifax has required me to provide proof of my identity and correct address because the information they have does not match, yet they continue to fail in resolving the fraudulent accounts on my credit report. 

Details of the Complaint : 1. Equifaxs Failure to Act : Equifax has sent me requests to verify my identity and address, claiming the information they have does not match. 
I provided my government-issued ID passport and my XXXX XXXX XXXX XXXX XXXX XXXX proof of address, yet Equifax has made no effort to fix my credit report by removing the fraudulent accounts.

2. Fraudulent Accounts from Data Breach : The Equifax data breach exposed my sensitive personal information, resulting in several fraudulent accounts being opened in my name, including XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) 3. Violation of Fair Credit Reporting Act ( FCRA ) : Under the FCRA, Equifax is obligated to ensure the accuracy of credit reports and to promptly address disputes. 
Their requirement to verify my identity while failing to act on the fraudulent accounts I have reported is unacceptable and a failure to comply with the law. 

Impact on Me : Equifaxs mishandling of my case has caused significant emotional distress and financial harm. The fraudulent accounts remain on my credit report, damaging my credit score and preventing me from accessing credit or other financial opportunities. 

Desired Resolution : I request the CFPB to ensure that Equifax takes the following actions : XXXX. Remove Fraudulent Accounts : Immediately investigate and remove all fraudulent accounts, including XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX, from my credit report. 
2. Provide a Corrected Credit Report : Issue me a corrected credit report that reflects the removal of these fraudulent accounts. 
XXXX. Acknowledge Verified Information : Accept and use the government-issued ID and XXXX XXXX XXXX XXXX statement I have provided to update their records, preventing further delays. 
4. Confirm Compliance in Writing : Provide written confirmation that my identity has been verified, the fraudulent accounts have been removed, and my credit report has been corrected.

5. Prevent Further Excuses : Ensure Equifax stops delaying the resolution of disputes by requiring repetitive identity verification without taking appropriate action to fix credit reports. 

Supporting Documents : I am prepared to provide the following : Copy of my government-issued ID ( e.g., drivers license or passport ) XXXX XXXX XXXX XXXX statement as proof of address FTC Identity Theft Report IC3 Complaint Report Conclusion : Equifaxs repeated delays and excuses in resolving my credit report disputes are unacceptable and have caused undue hardship. I trust the CFPB will ensure that Equifax fulfills its legal obligations under the FCRA and resolves this matter without further delay. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief