Consumer complaint received 2025-07-19 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:
I am submitting this complaint to escalate my ongoing identity theft dispute with Equifax and to request immediate reinvestigation and enforcement by the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ). This is not a frivolous dispute. I am submitting new evidence from both XXXX and XXXX that further confirms the fraudulent nature of the disputed accounts. 

I previously submitted a complete and valid FTC Identity Theft Report ( XXXX XXXXXXXX ) through the CFPB portal, which includes a signed declaration under penalty of perjury. I did not submit a separate written statement, as my

FTC report satisfies the statutory requirements under FCRA 1681c-2. Despite receiving all required documentation, Equifax has failed to block multiple fraudulent tradelines from my credit file within the four business days mandated by FCRA 1681c-2. Furthermore, a new fraudulent XXXX XXXX XXXX collection account for {$690.00} was added to my report as of XX/XX/2025, after Equifax had already received my identity theft report and dispute. 

Fraudulent Accounts Still Reporting : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( {$890.00} ) XXXX XXXX XXXX {$690.00} ( new as of XX/XX/2025 ; original creditor is XXXX XXXX XXXX XXXX on other bureaus ) XXXX XXXX XXXXXXXX XXXX  XXXX ( {$1100.00} ), XXXX XXXXXXXX ( {$620.00} ), * XXXX ( {$580.00} ) XXXXXXXX XXXX XXXX XXXXXXXX ( {$1900.00} ) XXXX XXXXXXXX XXXX XXXXXXXX ( {$2100.00} ), XXXX  XXXX ( {$3700.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$580.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX ( {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$440.00} ), XXXX XXXXXXXX ( {$500.00} ), XXXX  XXXX ( {$3700.00} ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( {$820.00} ) These accounts were not authorized by me and are the result of identity theft. Equifax has failed to provide original documentation to validate these accounts, such as signed applications, billing records, or chains of assignment. Many of the accounts are also re-aged ( e.g., reporting updates as recent as XXXX and XX/XX/2025 ), in violation of FCRA 1681c ( a ) ( 4 ). 

Newly Submitted Supporting Evidence : XXXX XXXX Letter ( XX/XX/2025 ) : Confirms that none of the disputed accounts appear in their records. XXXX has also independently initiated disputes with the credit bureaus. 

XXXX Dispute Results ( XX/XX/2025 ) : Confirms that the XXXX XXXX account ( XXXX XXXXXXXX ) has been blocked, and all other disputed accounts are not reported in their files. 

FTC Identity Theft Report ( XXXX  XXXX ) : Filed on XX/XX/2025. This is my only sworn declaration and it includes all affected accounts and an official request to block reporting and collection activity.

Violations : FCRA 1681c-2 Failure to block identity theft-related tradelines FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 1681c ( a ) ( 4 ) Re-aging of delinquency data IRS Code 6050P Debts over {$600.00} remain reported with no 1099-C issued, suggesting they were canceled

Company response to consumer: Closed with non-monetary relief