Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Complaint Type : Improper Credit Reporting, Identity Theft, Failure to Investigate, Failure to Remove Fraudulent Items Consumer Name : XXXX XXXX Complaint Submitted To : Consumer Financial Protection Bureau XXXX XXXX : Equifax , Inc . 
Complaint ID : [ To be issued upon submission ] What Happened Equifax is knowingly reporting fraudulent and inaccurate information on my credit report, despite my repeated formal disputes, documented identity theft status, and legal rights under federal law. Their continued mishandling has caused : My credit score to drop from the XXXX to below XXXX A lost mortgage opportunity for a {$480000.00} home {$15000.00} to {$20000.00} in damages from emergency relocation, higher rental costs, and emotional distress Civil rights harm as a certified human trafficking survivor protected under FCRA 605C Key Facts & Violations Fraudulent Accounts Still Being Reported Equifax is reporting fraudulent XXXX XXXX and XXXX accounts that I never opened. 

These accounts were opened and/or reported during the time I was a victim of identity theft and human trafficking, with full documentation submitted. 

Under FCRA 605C, Equifax is required to block this information within 4 business days of receiving proper documentation. I provided : Police report Identity theft affidavit Human trafficking survivor certification FTC ID theft report Equifax has refused or failed to comply. 

False Address Reporting My credit file shows a false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I have never lived there, and this address is associated with the fraud. 

Equifax has refused to correct it, despite multiple disputes. 

Unauthorized and Harmful Fraud Alert Equifax placed a fraud alert dated XX/XX/XXXX XX/XX/XXXX without my consent or based on outdated data. 

I have requested removal multiple times, because the alert is blocking me from qualifying for a home loan. 

This violates FCRA 605A, which gives me the right to remove fraud alerts at will.

Equifax is now knowingly interfering with access to credit by ignoring these requests.

Fraudulent Student Loans Being Reported Equifax is listing multiple fraudulent student loan accounts under Dept. of Education / XXXX that are not mine and were not opened by me. 

These accounts are entirely fraudulent and likely tied to the identity theft Ive reported. 

Additionally, Equifax is double-reporting or duplicating some of these fraudulent loans, further harming my score.

This is a direct violation of : FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) FCRA 605C ( trafficking victim reporting obligations ) UDAAP ( unfair and deceptive harm to a vulnerable consumer ) Failure to Provide a Human Review My disputes are being auto-verified without proper investigation.

I have not been allowed to speak with a live person, even though federal law allows me to request a human review of fraud disputes, especially when related to human trafficking and civil rights claims.

Laws Violated FCRA 605C Obligation to block reporting for trafficking victims FCRA 605A Right to place/remove fraud alerts FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 Failure to reinvestigate UDAAP Unfair, Deceptive, and Abusive Acts or Practices Equal Credit Opportunity Act Disparate impact and denial of housing opportunity

Company response to consumer: Closed with explanation