Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
[ IDENTIFYING & SUPPORTING DOCS ATTACHED ] I am filing this complaint as a final notice before initiating civil litigation. I am humiliated, exhausted, and financially damaged by Equifax 's malicious refusal to follow federal law. My credit file was previously clean. However, without lawful justification, Equifax reinserted multiple fraudulent accounts that had been previously deleted, violating clear provisions of the Fair Credit Reporting Act ( FCRA ) and the Alabama Deceptive Trade Practices Act. 

GROSS NEGLIGENCE & REJECTION OF VALID LEGAL DOCUMENTS : I have provided Equifax with a notarized Affidavit of Truth, a XXXX Police Department Report, and an FTC Identity Theft Report. In a display of stunning arrogance, Equifax agents falsely stated these binding legal documents were " not valid ''. 


POLICE REPORT ( Proof of Willful Non-Compliance ) : Although the attached Police Report ( Case XXXX ) was filed in XX/XX/XXXX, I am submitting it again to prove an established history of identity theft. This report proves you have been on notice regarding this fraud for over a year. Using the date of the report as an excuse to ignore it is unacceptable ; it serves as proof of illegal reinsertion of items you already knew were fraudulent. 


AFFIDAVIT OF TRUTH ( Forced Escalation ) : Because your agents arbitrarily rejected my valid police and FTC reports, I was forced to go to the extraordinary length of executing a NOTARIZED AFFIDAVIT OF TRUTH on XX/XX/XXXX, sworn before a Notary Public ( an Officer of the Court ). The amount of labor, energy, and expense I have been forced to expend simply to prove I am a victim is insane. By continuing to report these items after receiving a sworn affidavit witnessed by a court officer, Equifax is proving that its non-compliance is willful. 


SPECIFIC VIOLATIONS : XXXX XXXX XXXX ( Failure to Block - FCRA 605B ) : This is a fraudulent account listed in my Affidavit and FTC Report. While the inquiries for this lender were included in my Police Report, I inadvertently omitted the specific account number when filing the police report. However, the account IS listed on my XXXX XXXX and FTC Report, standing as irrefutable proof that this was unauthorized. Under FCRA 605B, a XXXX must BLOCK identity theft items within 4 days. You can not " verify '' fraud against a sworn affidavit. 




XXXX XXXX  ( Illegal Reinsertion - FCRA 611a5 ) : This account was previously deleted due to identity theft. It is listed as stolen property on my Police Report, listed in the Personal Statement section of my FTC Identity Theft Report ( due to form limitations ), and included in my Notarized Affidavit of Truth. Equifax reinserted it without obtaining furnisher certification within the legally allotted timeframe or sending me the mandatory XXXX written notice. 



XXXXXXXX XXXX ( Illegal Reinsertion - FCRA 611a5 ) : Like the account above, this was deleted and then illegally reinserted without Equifax obtaining furnisher certification within the legally allotted timeframe or sending me the mandatory XXXX written notice. This account is explicitly listed as fraudulent on my FTC Identity Theft Report and my Notarized Affidavit of Truth. 

XXXX XXXXXXXX XXXX ( Illegal Reinsertion - FCRA 611a5 ) : This account was also deleted and reinserted without Equifax obtaining furnisher certification within the legally allotted timeframe or sending me the mandatory XXXX written notice. It is listed on my FTC Identity Theft Report. ( Note : It was not included in my Affidavit solely because it was not reporting negatively at the time of notarization, but it remains a fraudulent account resulting from the same identity theft events ). 

INCORRECT ADDRESS : This was a temporary mailing location, never a residence. Reporting it causes mixed-file errors.

Company response to consumer: Closed with non-monetary relief