Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Equifaxs Continued Violations of FCRA Failure to Verify Accounts, Refusal to Block Fraudulent Items Dear CFPB Representative, I am submitting this complaint against Equifax for their continued refusal to comply with the Fair Credit Reporting Act ( FCRA ), failure to block fraudulent information despite valid identity theft documentation, and their deceptive practices in handling my credit file.

Summary of Equifaxs Unlawful Actions 1. Equifax falsely claims that creditors have " verified '' fraudulent accounts but refuses to provide any supporting evidence.

2. Equifax has ignored my legally submitted FTC Identity Theft Report and police report, violating FCRA 605B.

3. Equifax has allowed previously deleted accounts to be reinserted onto my report without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ).

4. Equifax refuses to remove unauthorized inquiries from my credit report, violating FCRA 1681b.

5. Equifax is engaging in deceptive and unfair practices, causing financial harm and emotional distress.

Specific Fraudulent Items That Must Be Removed Immediately Despite my repeated disputes and submission of identity theft documentation, Equifax continues to report the following fraudulent accounts : * XXXX XXXX XXXX ( Charge-Off ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX  ( {$5500.00} ) * XXXX XXXX ( Collection - {$11000.00} ) * XXXX  XXXX XXXX {$810.00} and {$280.00} ) * XXXX XXXX XXXX Multiple unauthorized inquiries from auto lenders and financial institutions.

Equifaxs Violation of Consumer Rights * Equifax has violated FCRA 611 ( a ) ( 7 ) by failing to provide their method of verification ( XXXX  ). * Equifax is violating FCRA 605B by refusing to block identit
y theft-related accounts.

* Equifax is violating FCRA 611 ( a ) ( 5 ) ( B ) by reinserting fraudulent accounts without proper notice. * Equifax is violating FCRA 1681b by failing to remove unauthorized inquiries. Immediate Actions Demanded by CFPB I de
mand that the CFPB take immediate action against Equifax for these violations and require them to : 1. Immediately provide their method of verification for all disputed accounts or delete them permanently.

2. Honor my FTC Identity Theft Report and police report by blocking fraudulent accounts and inquiries as required by FCRA 605B.

3. Investigate Equifaxs use of unreliable third-party vendors for credit reporting.

4. Ensure that fraudulent accounts are permanently removed and not reinserted.

5. Impose financial penalties against Equifax for their repeated violations and refusal to follow consumer protection laws.

6. Award {$20000.00} in damages for financial harm, loss of credit opportunities, and ongoing emotional distress caused by Equifaxs negligence. 
I request that the CFPB escalate this matter and enforce stricter regulatory action against Equifax. Their ongoing deceptive practices are harming me and countless other consumers. 
Please keep me updated on the investigation. Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief