Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed full identity theft dispute packages by certified mail to all three credit bureaus ( XXXX, Equifax, and XXXX  ). Each package included : Proof of identity ( government-issued ID + utility bill ) FTC Identity Theft Report ( XX/XX/XXXX ) Law enforcement report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Sworn statement of denial ( I did not authorize or open these accounts ) On XX/XX/XXXX, I mailed supplemental letters to all XXXX  bureaus with a specific list of fraudulent tradelines to be deleted. This satisfied all XXXX statutory requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ( 1 ) - ( 4 ) ), which legally requires the bureaus to block fraudulent accounts within XXXX business days of receipt. 
Instead of complying, on XXXX XXXX XXXX the bureaus merely added remarks such as Consumer disputes reinvestigation in progress to the accounts. This is not compliant with 605B. The law requires blocking, not simply adding dispute remarks or choosing the slower reinvestigation process under 611. 
As of XX/XX/XXXX, the following XXXX fraudulent/inaccurate tradelines still remain on my credit reports XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Equifax : No Account XXXX XXXX  : No Account Reported XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No Account Reported Equifax : Reported XX/XX/XXXXXXXX XXXX XXXX  No Account Reported XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX Equifax : Reported XX/XX/XXXXXXXX XXXX XXXX XXXX Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Account Reported Equifax : No Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : No Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No Account Reported Equifax : Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Account Reported Equifax : No Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : No Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts appear inconsistently across bureaus ( reported by XXXX, omitted by another, or showing different dates ). This is a direct violation of FCRA 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. 
Because of these failures, I suffered financial harm, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( {$200000.00} request, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These denials were directly caused by the fraudulent accounts that should have been blocked under 605B. The bureaus failure has caused reputational damage, loss of credit opportunities, and financial injury.

Company response to consumer: Closed with explanation