Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 

On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency.

Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifaxs failure to uphold consumer protections under the FCRA. 

I respectfully request immediate removal of the fraudulent accounts, a detailed disclosure of the reinvestigation process, and confirmation of compliance with the FCRA moving forward.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Collection/Chargeoff opened at XXXXXX/XX/XXXX XX/XX/XXXX under the XXXXXX/XX/XXXX a Collection/Chargeoff opened at XXXXXX/XX/XXXX on XX/XX/XXXX XXXX the XXXXXX/XX/XXXX, a Credit Card opened at XXXX XX/XX/XXXX on XX/XX/XXXX under the XX/XX/XXXX, a Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXXXX/XX/XXXX, and a Credit Card opened at XXXX XXXX XX/XX/XXXX under the XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XX/XX/XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

Company response to consumer: Closed with explanation