Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Re : Formal Identity Theft Dispute Failure to Block Fraudulent Accounts ( XXXX  ) Under FCRA 605B To Whom It May Concern, I am writing in regard to the fraudulent Kickoff Lending accounts listed on my Equifax credit report, specifically : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX I previously submitted a valid FTC Identity Theft Report, proof of identification, and supporting documentation to Equifax, requesting the immediate blocking of these unauthorized accounts pursuant to 15 U.S. Code 1681c-2 ( FCRA 605B ).

However, upon speaking with an Equifax supervisor, I was informed that the original FTC Identity Theft Report did not include accurate account numbers, and that I would need to resubmit the report with the correct tradelines referenced. This has now been completed. 
Let me be absolutely clear : You are now in possession of a complete and legally compliant identity theft report, supporting documents, and accurate account references. According to FCRA 605B, once a consumer provides a valid Identity Theft Report : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after receipt. 
To date, Equifax has failed to block the fraudulent XXXX accounts within the statutory 4-day window, which is a clear and ongoing violation of federal law.

Summary of Violations : Failure to comply with FCRA 605B ( 4-day block requirement after receipt of identity theft documentation ) Failure to conduct a reasonable investigation under FCRA 611 Continued reporting of known fraudulent accounts in violation of FCRA 623 ( a ) ( 6 ) Willful and negligent noncompliance with FCRA 1681n and 1681o, which subjects you to legal damages DEMAND FOR IMMEDIATE ACTION : I am formally demanding the following actions be taken within XXXX calendar days : XXXX. Permanent deletion of both XXXX tradelines ( XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX ) from my Equifax credit report ; XXXX. Written confirmation that these accounts have been removed and will never be reinserted under any circumstance ; XXXX. A statement confirming that Equifax acknowledges receipt of my updated Identity Theft Report and supporting documentation. 
Failure to comply will result in immediate formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for statutory damages. 
This letter is submitted in good faith and without waiver of any of my rights under federal or state law. 

OTHER ISSUE : Re : Repeated Reinsertion of Fraudulent XXXX  Account FCRA 605B, 611, 623 Violations To Whom It May Concern, This letter serves as a formal complaint and dispute regarding the continued reinsertion and reporting of a fraudulent account on my Equifax credit file originally associated with XXXX XXXX XXXX, now allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX. 
Background & Issue : I previously disputed this account and submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address. The account was removed but has since been reinserted without notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ).

Upon calling Equifax and speaking with a supervisor, I was told that the furnisher must contact Equifax directly to request the account be deleted permanently, and that without this, the account may continue to reappear. This is unacceptable and legally unsupported when identity theft and documentation have already been submitted. 
XXXX XXXX XXXX has provided me written confirmation that the account was sold to XXXX XXXX on XX/XX/year>, and they no longer own or service it. XXXX XXXX is now the entity reporting or triggering reinsertion. I have contacted XXXX XXXX directly and issued a formal dispute and cease-and-desist notice under the FCRA and FDCPA. 
Violations Committed : FCRA 605B Failure to block reporting of identity theft-related accounts within 4 business days of receiving proper documentation FCRA 611 ( a ) ( 5 ) ( B ) Reinserted a previously deleted account without providing written notice within 5 business days FCRA 623 ( a ) ( 6 ) Continued reporting of inaccurate or disputed information after notification FCRA 1681n & 1681o Willful and negligent noncompliance, subject to civil liability and statutory damages My Demands : 1. Immediately and permanently delete the XXXX XXXX XXXX from my Equifax report XXXX XXXX. Provide written confirmation that this account will not be reinserted under any circumstances ; XXXX. Acknowledge receipt of my FTC Identity Theft Report and related documentation ; XXXX. Update your internal systems to reflect that this is a fraudulent identity theft- related account. 
If this account is not removed promptly, or if it reappears again, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and will consider legal action for noncompliance. 
This letter is submitted in good faith and without waiver of any rights under federal or state law.

Company response to consumer: Closed with explanation