Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Subject : Systematic FCRA Violations- 4+ Months Willful Noncompliance + Double Re-reporting of Deleted Fraudulent Accounts. This complaint concerns Equifax 's systematic violations of FCRA Sections 605B ( a ) and 611 ( a ) ( 5 ) ( B ) through 4+ months of willful noncompliance with federal identity theft protections, followed by willful re-reporting of previously deleted fraudulent information. CFPB COMPLAINT # XXXX ( XX/XX/year> ) : Submitted complete FTC Identity Theft Report # XXXX with government-issued ID, Social Security card, and proof of address. Equifax systematically refused to block identity theft information, responding " VERIFIED THAT THIS ITEM BELONGS TO YOU '' for both fraudulent accounts in direct violation of FCRA Section 605B ( a ). CFPB COMPLAINT # XXXX ( XX/XX/year> ) : After XXXX months of violations, Equifax provided partial XXXX : deleted XXXX  inquiry and confirmed XXXX XXXX " NOT CURRENTLY REPORTING '' but maintained systematic refusal for XXXX account " VERIFIED THAT THIS ITEM BELONGS TO YOU. '' CFPB COMPLAINT # XXXX ( XX/XX/year> ) : After XXXX months of systematic violations, Equifax finally provided XXXX compliance : XXXX account " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' and all fraudulent items confirmed " NOT CURRENTLY REPORTING. '' Current credit report ( XX/XX/year> ) demonstrates willful violations of FCRA Section 611 ( a ) ( 5 ) ( B ) : XXXX XXXXXXXX ACCOUNT ( # XXXX ) : XX/XX/year> : Equifax acknowledged inaccuracy ( " NOT CURRENTLY REPORTING '' ), XX/XX/year> : Account REAPPEARED with derogatory status, WILLFUL VIOLATION : Re-reporting information known to be inaccurate. XXXX ACCOUNT ( # XXXX ) : XX/XX/year> : Equifax acknowledged inaccuracy ( " THIS ITEM HAS BEEN DELETED '' ), XX/XX/year> : Account REAPPEARED with derogatory status, WILLFUL VIOLATION : Re-reporting information known to be inaccurate. FCRA Section 605B ( a ) : Systematic refusal to block identity theft information for 4+ months despite valid FTC report, FCRA Section 611 ( a ) ( 5 ) ( B ) : Double willful reporting of information known to be inaccurate, Pattern of willful noncompliance requiring multiple regulatory interventions over 4+ months. 4+ months of systematic violations requiring 3 separate CFPB complaints, Continued credit damage from willful re-reporting of deleted fraudulent information, Systematic denial of federal identity theft protections, Emotional distress from prolonged regulatory battle spanning 4+ months. This case demonstrates systematic failure of identity theft protection procedures requiring 4+ months and multiple regulatory interventions to achieve temporary compliance, followed by willful re-reporting violations. IMMEDIATE INVESTIGATION of Equifax 's systematic 4+ month pattern of FCRA violations, PERMANENT DELETION of all fraudulent information with system blocks preventing reappearance, MAXIMUM REGULATORY PENALTIES for 4+ months systematic violations and double willful re-reporting, CONSUMER RESTITUTION of $ XXXX for systematic 4+ month violations and willful re-reporting harm, MANDATORY IMPLEMENTATION of immediate 605B compliance procedures, PRECEDENT-SETTING ENFORCEMENT to prevent systematic 4+ month violation patterns. Complete history of 3 CFPB complaints spanning 4+ months, FTC Identity Theft Report # XXXX with full documentation, Credit reports showing systematic violations and willful re-reporting pattern, Timeline documenting 4+ months of systematic federal law violations. This systematic 4+ month pattern of willful FCRA violations requires immediate and comprehensive enforcement action.

Company response to consumer: Closed with non-monetary relief