Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
Company : Equifax Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Issue : Improper use of report / Failure to investigate/ Failure to respond to disputes/ Identity Theft I am filing this complaint against Equifax due to their repeated failure to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. My concerns are as follows : XXXX. Failure to Provide Investigation Documents/ Improper Handling of Disputes Equifax has failed to provide any documentation or proof regarding the outcome of prior disputes I submitted, including how they " verified '' fraudulent accounts and information listed on my credit report. 

I submitted a dispute to Equifax, which included the following supporting identity theft documentation : A copy of my state-issued ID A copy of my FTC Identity Theft Report A Police Report filed with the XXXX XXXX XXXX Sheriff 's Department ( Case # XXXX ) Despite having submitted these documents properly, Equifax 's response dated XX/XX/year> ( Confirmation # XXXX ) falsely claims that I did not include these documents. This is categorically false. 

These exact same documents were successfully submitted to, and acknowledged by, law enforcement. 

XXXX. Request for Investigation Documents and Full Disclosure I have formally requested copies of Equifax 's investigation results and method of verification used in the disputes of the fraudulent accounts. To date, Equifax has not complied with this request, which is a violation of my rights under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I am requesting : Full disclosure of all documents, correspondence, and records related to prior and current disputes, including how the information was verified. 

The name, contact information, and method used by any furnisher or third party Equifax relied upon in confirming disputed information. 

XXXX. Failure to Place Extended Fraud Alert & Security Freeze I specifically requested that Equifax : Place an extended fraud alert on my credit report, as I am a victim of identity theft and provided the legally required documentation. 

Implement an extended security freeze to prevent further misuse of my credit. 

Perform the same action for my minor daughter, XXXX XXXX, whose personally identifiable information ( PII ) has also been compromised. 

For my daughter : I submitted her Social Security XXXX and identity documentation via certified mail with return receipt, proving Equifax received the request. 

To date, Equifax has not confirmed that these actions have been completed. 

To date, Equifax has not confirmed that these actions have been completed. 

I am requesting : Written confirmation that a fraud alert and security freeze have been placed on both my credit file and my minor daughters file. 

A full explanation if any action was denied, delayed, or otherwise incomplete. 

XXXX. Unauthorized / XXXX XXXX XXXX Equifax is reporting an unauthorized phone number ( XXXX ) on my credit report that I did not provide and that is linked to fraudulent activity. I have repeatedly requested its removal, and Equifax has failed to remove or correct this item. 

I am requesting : XXXX removal of this number from my credit file. 

Confirmation in writing that this has been completed. 

Violations and Legal Concerns I believe Equifax XXXX be in violation of multiple federal and state laws, including but not limited to : FCRA XXXX XXXX Code XXXX ( failure to investigate disputed information ) FCRA XXXX XXXX Code XXXX ( failure to provide information in the file and disclosures upon request ) FCRA XXXX XXXX Code XXXX ( failure to place fraud alerts ) FCRA XXXX XXXX Code XXXX ( failure to block fraudulent information resulting from identity theft ) Failure to protect consumer data and act on identity theft reports, raising concerns about systemic noncompliance and potential exposure to state and federal regulatory scrutiny

Company response to consumer: Closed with explanation