Consumer complaint received 2024-12-18 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: TN

Complaint narrative:
I am submitting this complaint due to Equifax 's failure to comply with the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXXXXXX XXXX XXXXXXXX ) regarding the removal of fraudulent items from my credit report. Despite multiple attempts to resolve the issue, Equifax has repeatedly delayed action and provided inconsistent information. 

# # # Summary of Events : XXXX. XXXX XXXX, 2XXXX XXXX XXXX  I mailed Equifax a detailed fraud report requesting the removal of fraudulent items from my credit report under FCRA XXXX. 

XXXX. XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) : XXXX  Equifax XXXX my letter. Under the law, the fraudulent items should have been removed within XXXX business days of receipt. 

XXXX. XXXXXXXX XXXX XXXX XXXX Equifax XXXX, claiming my current address did not match my drivers license and requested additional documentation for address verification. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I mailed Equifax a copy of my XXXX XXXX XXXX  and my most recent utility bill for verification. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX the additional documentation. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I spoke with XXXX XXXX Equifax XXXX ) on the phone. He assured me that the fraudulent items were being removed during our conversation and stated they would no longer appear on my credit report by XX/XX/year>. 

XXXX. XXXX XXXX XXXX XXXX XXXX I followed up with XXXX XXXX a supervisor, since the fraudulent items were still on my report. XXXX stated that the removal process takes XXXX business days from XX/XX/year>, and assured me the items would be removed by XX/XX/year>. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX I spoke with XXXX XXXX another supervisor, who confirmed his team had requested the information to be blocked and that it should be removed by XX/XX/year>. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX I followed up with XXXX XXXX. He informed me I would have to wait until after the weekend and later stated he was unsure when the fraudulent items would be removed. 

# # # Issues : - Equifax has not complied with FCRA XXXX, which requires the removal of fraudulent items within XXXX business days of receiving a valid fraud report. 
- Equifax employees provided conflicting timelines and assurances that were not met. 
- These delays and inconsistent communications indicate stalling tactics and negligence in addressing my rights under the FCRA. 

# # # Impact : Equifax 's failure to act promptly has caused undue stress and potential harm to my financial standing. I have attached tracking information, correspondence, and detailed notes of my communications with Equifax employees to substantiate my claim. 

**Desired XXXX : ** - XXXX removal of all fraudulent items from my credit report in accordance with FCRA XXXX. 
- Written confirmation that the items have been removed. 
- XXXX that Equifax will implement measures to prevent similar delays and inconsistencies for other consumers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation