Consumer complaint received 2025-07-16 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:
CFPB Complaint Summary Subject : Improper Handling of Identity Theft and XXXX XXXX XXXX XXXX Failure to Remove/Block Inaccurate Information under FCRA 605B , 605C, 611, and 607 I am filing this complaint as a verified victim of XXXX XXXX and identity theft, supported by documentation from the U.S. Department of Health and Human Services Office on XXXX XXXX XXXX ( XXXX  ), as well as a police report and FTC Identity Theft Report ( ID # XXXX ). 

I have submitted formal disputes with all three major credit bureaus ( Experian, Equifax, and TransUnion ), requesting blocking and removal of inaccurate and fraudulent information pursuant to the Fair Credit Reporting Act, specifically under sections 605B, 605C, 611 ( a ), 611 ( a ) ( 7 ), and 607 ( b ). Despite my lawful and substantiated requests, the following violations have occurred : 1. Failure to Block Fraudulent Accounts ( FCRA 605B & 605C ) Although I submitted identity theft documentation and a certification letter confirming my status as a victim of XXXX XXXX, fraudulent tradelines remain on my credit reports. These items were not blocked within the required 4 business days and no written explanation was provided. 

2. Improper Investigation Procedures ( FCRA 611 ) I requested a manual reinvestigation and the Method of Verification ( MOV ) for disputed accounts. To date, no MOV has been provided, and evidence suggests that disputes were handled through automated e-OSCAR systems without proper review or validation. This is in direct violation of 611 ( a ) ( 7 ). 

3. Inaccurate Personal Information Still Reporting I have made multiple requests to correct and update my personal identifying information. Despite clear instructions and documented proof, the credit bureaus have failed to : Remove outdated or unauthorized addresses. 

Correct name variations and employer listings. 

Suppress public display of SSN and date of birth. 

This constitutes a failure under FCRA 607 ( b ) to ensure maximum possible accuracy of the credit file. 

4. Refusal to Place Permanent Security Freeze & Opt-Out Although I have placed security freezes with XXXX, XXXX, XXXX, and other secondary bureaus, the primary bureaus have not honored my request to : Place a permanent security freeze on my credit file. 

Initiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. 

5. Documented History of Identity Compromise My identity has been exposed in several major data breaches ( e.g., XXXX XXXX XXXX Equifax, XXXX, Experian ), and there are confirmed dark web alerts and unauthorized activity, including : Multiple unauthorized address changes between XXXX XXXX. 

Returned fraudulent checks totaling {$4600.00}. 

Confirmed alerts from my identity protection service. 

6. Incomplete or Non-Existent Responses from the Bureaus Despite providing a : Certified XXXX XXXX victim letter ( issued XX/XX/year>, XXXX HHS ) FTC Identity Theft Report Police Report Proof of fraud-related damages and address compromise ... no bureau has completed the required actions, nor have they provided the verification methods or investigation summaries mandated under federal law.

Company response to consumer: Closed with explanation