Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a federally verified victim of XXXX XXXX  enrolled in the XXXX XXXX XXXX, and I am a named participant in the Equifax data breach class action. While under active federal protection in Ohiounder court supervision during live XXXX XXXX trialsEquifax began reporting a fraudulent XXXX XXXX XXXX account that I did not open, authorize, or benefit from. 

At the time this account was allegedly opened, I was living in a XXXX XXXX under court-monitored protection, without access to any financial institutions, personal transportation, or private mail. My communications and location were restricted, and any personal activity, especially financial, was strictly prohibited. 

Legal Violations : FCRA 605C Human Trafficking Victim Protections Under 15 U.S.C. 1681c-3, Equifax was legally required to block any adverse item related to XXXX XXXXnce notified and provided documentation. I submitted : A formal letter verifying my federal witness/victim protection status A signed XXXX XXXX designation letter Supporting court documents Equifax ignored this and continued reporting. 

FCRA 605B Identity Theft Blocking Equifax violated 15 U.S.C. 1681c-2 by continuing to report the fraudulent VyStar tradeline despite receiving : A valid police report An FTC Identity Theft affidavit A written request identifying the exact account FCRA 611 Failure to Investigate or Respond Equifax did not conduct a reasonable reinvestigation. I was never : Provided verification documents Notified of any investigation outcome Given access to the method of verification This violates 15 U.S.C. 1681i and the consumers right to due process.

UDAAP 12 U.S.C. 5531 Equifax engaged in Unfair, Deceptive, or Abusive Acts or Practices by : Reporting a fraudulent tradeline to which I had no access or knowledge Ignoring documented proof of my federal protection status Failing to validate or correct false data despite multiple submissions These failures resulted in credit score damage, loss of housing, denial of credit, emotional distress, and reputational harm. 

Statement of Fact : I challenge Equifax and XXXX to produce : A signed application with my verified ID IP logs or geolocation data of the account opening Video surveillance or in-branch records No such evidence can exist. During the relevant time, I was prohibited by court order from opening or managing any personal financial accounts, and my location and identity were under government control. 

Resolution Sought : Immediate removal and permanent blocking of the XXXX XXXX under FCRA 605B and 605C A written explanation of why Equifax failed to act when provided valid documentation Referral for enforcement action for violations of FCRA and UDAAP Compensation for damages under FCRA 616617 and UDAAP harm Supporting Evidence Available : FTC Identity Theft Affidavit Police Report XXXX XXXX Victim Designation Court orders from Ohio verifying location and restrictions Equifax credit reports showing continued reporting Prior CFPB complaint acknowledgment ( ref XXXX XXXX XXXXXXXX ) _____________________________________________________________ I formally request the immediate removal of the fraud alert on my credit profile. 
As a verified federal witness and XXXX XXXX XXXX  I am now under supervised relocation and in the process of purchasing a home. 
The fraud alert initially placed for my protection is now actively preventing mortgage pre-approval and delaying essential housing stability. 
I have no ongoing need for the fraud alert as all protective and monitoring measures are handled through the federal witness protection program. 
Continued maintenance of this alert interferes with my right to fair housing and credit access and contradicts the purpose of the FCRAs protections. 

_____________________________________________________________ Please remove addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief