Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this formal complaint regarding Equifax Information Services LLC for multiple potential violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impeded my access to credit and caused reputational and financial harm. 

Several months ago, I noticed my Equifax credit score had not updated despite consistent credit activity and perfect payment history. I initially did not investigate further, but a recent attempt to refinance the remaining balance of my auto loan prompted a disturbing discovery. 

After switching banks, I contacted a loan officer to initiate a refinance. Upon submitting my application, I was informed that the bank received an error from Equifax that they had never encountered before. When I contacted Equifax, I was told that they had placed an internal block on my credit reportnot a freeze or fraud alertwithout any prior notification to me. 

This internal block prevented the bank from accessing my credit report through Equifax, making it impossible to complete the refinance. As a result, I am forced to make physical trips to pay down my loan, a burdensome workaround that continues to negatively affect my financial flexibility. 

In addition : I contacted Equifax twice. The first call revealed the internal block, and after verifying my identity, I was instructed to send additional documents by mail. I complied, yet no resolution has occurred. 

Equifax has failed to correct inaccurate information on my credit report despite multiple written disputes, another violation of FCRA 611 ( 1681i ). 

The report still incorrectly lists my former job ( XXXX XXXX ) as my current employment and my actual current executive role as past employment. 

Items from Equifax Mortgage Solutions, XXXX, and XXXX XXXX XXXX remain uncorrected despite my attempts to rectify them in accordance with FCRA obligations. 

As a XXXX XXXX XXXXXXXX managing large funds, my creditworthiness is associated with my ability to obtain and to hold employment. 

Furthermore, I was a victim of the Equifax data breach, and this ongoing pattern of negligence is compounding the harm to my creditworthiness and professional reputation. 

Under the FCRA, Equifax is required to : 1. Maintain accurate and up-to-date credit information ( 1681e ( b ) ), 2. Correct or delete inaccurate or unverifiable information after a dispute ( 1681i ), 3. Notify consumers of significant actions taken on their reports, including any blocks or restrictions ( 1681g ). 

Equifax has failed in all of these areas. Their actionsor inactionhave hindered my ability to access credit, caused undue stress, and affected my professional standing. I am requesting immediate CFPB intervention to ensure : 1. The internal block is lifted and fully explained.

2. All verified disputes are corrected.

3. My employment history is updated accurately.

4 Equifax provides written confirmation of compliance with FCRA requirements.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief