Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
Re : Formal Complaint Against Equifax for FCRA Non-Compliance & Refusal to Block Fraudulent Information Due to Alleged Frivolous Dispute Dear Sir/Madam, I am submitting this formal complaint against Equifax for their unlawful refusal to block fraudulent information from my credit report, as required by Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite submitting a legitimate identity theft claim, Equifax has wrongfully classified my dispute as frivolous and continues to refuse to block fraudulent data within the legally mandated four business days. 
Facts of the Complaint : Date of Fraudulent Activity Discovery : XX/XX/year> Date I Notified Equifax of the Fraud : XX/XX/year> Equifaxs Refusal to Block Information : XX/XX/year> Equifaxs Allegation : Equifax claims my dispute was frivolous and therefore they are refusing to block fraudulent data. 
This baseless accusation of a frivolous dispute is not only incorrect but a clear violation of federal law. There is no legal foundation for this claim, and it is merely a tactic to avoid complying with the FCRAs requirements. Equifax is fully aware that once a fraud alert is made and the information is proven to be fraudulent, they are required to block it within four business days. Their failure to do so, and their refusal to accept the legitimacy of my dispute, is in direct violation of my rights under the FCRA.

The Impact of Their Non-Compliance : Equifaxs continued failure to block fraudulent information is causing significant harm to my credit and financial well-being. The fraudulent accounts remain on my credit report, hindering my ability to obtain credit, loans, and engage in essential financial activities. This ongoing issue is a direct consequence of their unlawful conduct and the continued disregard for my rights as a consumer.

My Requests : 1. Immediate investigation of Equifaxs unlawful refusal to block fraudulent data from my credit report.

2. Take enforcement action against Equifax to ensure they comply with Section 605B of the FCRA.

3. Ensure that Equifax removes all fraudulent information from my credit report without further delay.

4. Provide me with a written explanation of your findings and actions, along with a copy of my updated credit report showing the fraudulent entries have been blocked. 
Potential Consequences of Continued Inaction : If this matter is not addressed immediately, I will be forced to pursue the following actions : File formal complaints with the Federal Trade Commission ( FTC ) and state attorney generals office.

Seek legal action against Equifax for damages resulting from their failure to comply with the FCRA.

Contact my local media outlets to expose Equifaxs unlawful practices.

This matter has gone on long enough, and I expect swift action from the CFPB. Equifaxs actions have caused irreparable harm to my credit, and I am demanding that they be held accountable for their failure to adhere to federal law.

I expect a timely resolution to this issue and a response within 14 business days from the date of this letter. If I do not receive satisfactory action from your office within this time frame, I will escalate my efforts to pursue this matter further. 
Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with explanation