Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to file a formal complaint against Equifax Information Services LLC regarding their persistent failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my credit report disputes. As a confirmed victim of the XXXX Equifax data breach, I have faced significant challenges, including fraudulent accounts, unauthorized inquiries, and inaccurate personal information on my credit report. Despite my diligent efforts to resolve these issues, Equifax has failed to investigate or correct the errors, exacerbating the XXXX XXXX  caused by this breach. 
Background and Challenges Faced On XX/XX/XXXX, I submitted a dispute via first-class mail identifying XXXX inaccurate items on my credit report, followed by a demand letter sent via certified mail on XX/XX/XXXX ( tracking number XXXX ), with a deadline for response of XX/XX/XXXX. As of today, XX/XX/XXXX, Equifax has not responded to either correspondence, exceeding the XXXX investigation period ( expired XX/XX/XXXX ) and the maximum XXXX period ( expired XX/XX/XXXX ) under XXXX XXXX. XXXX ( a ) ( XXXX ). This inaction constitutes a clear violation of my rights under the FCRA. 
The inaccuracies stem from the Equifax data breach, which compromised my personal information and has led to identity theft, including an unauthorized attempt to open cell phone service in my name. I have spent over XXXX  days contacting EquifaxXXXX XXXX XXXX XXXX, filing disputes, and requesting investigations, yet the errors persist. This lack of response has caused substantial XXXX, potential XXXX  to my financial standing, and XXXX  due to XXXX negligence. 
FCRA Violations Equifaxs actions ( or lack thereof ) violate the following provisions of the FCRA : XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable reinvestigation of disputed information within XXXX  days ( extendable to XXXX  days under certain conditions ) after receiving my dispute on XX/XX/XXXX. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide notification to furnishers of information within XXXX business days of receiving my dispute, hindering a thorough investigation. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( C ) : Requirement to delete disputed information if the reinvestigation does not resolve the dispute, which Equifax has not done due to their nonresponse. 
XXXX XXXX. XXXX ( b ) : Failure to ensure the maximum possible accuracy of information on my credit report, allowing unverified accounts, unauthorized inquiries, and incorrect personal data to persist. 
XXXX XXXX. XXXX ( c ) : Obstructing my rights to dispute information by failing to acknowledge or respond to my written disputes. 
These violations have compounded the harm caused by the data breach and XXXX ongoing negligence. 
Recent CFPB Settlement with Equifax XXXX pattern of noncompliance is further evidenced by its recent {$15.00} XXXX settlement with the CFPB, announced in XXXX. This penalty addressed allegations that Equifax failed to adequately handle consumer disputes and ensure the accuracy of credit reports, issues directly relevant to my case. The settlement underscores XXXX systemic violations of the FCRA, reinforcing the urgency of my complaint and the need for CFPB intervention to enforce corrective action and protect consumers like me. 
Disputed Items The following XXXX items, identified in my prior correspondence, remain unresolved on my credit report ( SSN : XXXX ) : XXXX. Incorrect personal information : XXXX XXXX XXXX. Incorrect personal information : XXXX XXXX XXXX XXXX. Incorrect personal information : Current Address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX. Incorrect personal information : Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry : XXXX ( XX/XX/XXXX ) XXXX. Unauthorized inquiry : XXXX ( XX/XX/XXXX ) XXXX. Unauthorized inquiry : XXXX ( XX/XX/XXXX ) XXXX. Unverified account : XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX, Account XXXX XXXX ( not mine ) XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Incorrect personal information : XXXX XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX, Account Number XXXX XXXX. Duplicate account : XXXX XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX  Account Number XXXX XXXX. Unverified account : XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX  XXXX XXXX  NA, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX A, Account Number XXXX XXXX. Unverified account : XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX, Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX, Account XXXX XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX, Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX. Wrong amount reported : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX. Other information : XXXX XXXX XXXX XXXX, Account Number XXXX

Company response to consumer: Closed with explanation