Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
b'I am filing this complaint regarding Equifax Information Services LLCs handling of an identity theft tradeline and its failure to provide required notices and documentation after disputes.\n\nTradeline: XXXX XXXX XXXX XXXX XXXXAccount: XXXX XXXX XXXX XXXXReported balance: $XXXX\nDate opened: XXXX XXXX XXXX\n\nOn XXXX XXXX XXXX, I submitted an identity theft dispute through the myEquifax online dispute portal under Account ownership and fraud issues / Identity Theft. Equifax issued Confirmation #XXXX and represented that it would investigate and notify me of results within 30 days. \n\nThis account has been disputed previously as identity theft. Equifaxs handling remains deficient and is increasing ongoing damages and exposure:\n\nFailure to provide proper notice of reinvestigation results.\nEquifax did not properly notify me of the results of a prior dispute on this account (including clear written results and what basis Equifax relied upon to continue reporting). This is a core requirement of the FCRA reinvestigation process.\n\nVerification without adequate substantiation; demand for method of verification.\nEquifax has continued reporting this identity-theft tradeline as verified without providing a meaningful explanation. I demand Equifax provide the method of verification and identify what information was relied upon, including the furnisher/source contact information used to verify the tradeline, as required by the FCRA upon request.\n\nReinsertion concerns and missing reinsertion notice.\nIf this tradeline was ever removed/blocked and later reappeared, Equifax must comply with the FCRAs reinsertion requirements, including certification of accuracy prior to reinsertion and prompt written notice to the consumer after reinsertion. I was not notified of any reinsertion. I dispute the legality of any reinsertion and demand Equifax provide the reinsertion date and certification details if applicable.\n\nIdentity theft protections not properly implemented (FCRA 605B block).\nI submitted identity theft documentation (FTC Identity Theft Report and identification) through the dispute process. Equifax must block identity-theft information that meets statutory requirements or provide a specific written basis for refusing to block. Continued reporting of fraud information is causing ongoing harm.\n\nAs a disabled veteran, the continued reporting of a fraudulently opened account and Equifaxs failure to provide required notices has caused significant stress and ongoing financial harm. Equifaxs deficient dispute handling also increases third-party exposure to liability by perpetuating inaccurate information after notice of identity theft.\n\nThis complaint is submitted in light of the CFPBs XXXX XXXX XXXX Equifax consent order/enforcement action, which addressed deficiencies in Equifaxs dispute handling and reinvestigation processes. My experience is consistent with the types of failures the CFPB identified.'

Company response to consumer: Closed with explanation