Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Equifax is willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by denying me direct access to my own credit report via their website. For weeks, I have attempted to view my credit file to dispute multiple fraudulent accounts resulting from the Equifax data breacha breach they were responsible forand I have been met with constant system errors and automated emails stating " sorry for the inconvenience, '' yet no actual resolution or correction. This ongoing denial of access violates my rights under FCRA 612 ( a ) [ 15 U.S.C. 1681g ( a ) ], which guarantees every consumer the right to access all information in their file maintained by a consumer reporting agency. I can not file disputes or correct false information without this accessthis is not an inconvenience, this is a direct obstruction of my federally protected rights. Furthermore, Equifax is interfering with my ability to exercise my rights under FCRA 605B [ 15 U.S.C. 1681c-2 ( a ) ], which allows identity theft victims to demand the blocking and deletion of fraudulent accounts. Their technical issues have prevented timely dispute filings, creating ongoing damage and stress. At this point, I believe this is not just a system glitchit is willful negligence. Equifax was already found liable for failing to protect consumer data in one of the largest breaches in U.S. history. Now, they are compounding that harm by preventing victims like myself from disputing fraudulent accounts caused by their own breach. I am documenting everything, and if this issue is not resolved immediately, I will move forward with a federal lawsuit for : Denial of access under FCRA 612 Failure to provide proper dispute mechanisms Emotional and financial harm due to continued inaction Violation of FCRA 1681n and 1681o for willful and negligent noncompliance I am demanding that Equifax : Immediately restore my online access to my full credit file Allow me to submit disputes related to identity theft caused by their breach Respond with a formal resolution, not automated apologies. Also, I am writing to notify you that I am a victim of identity theft as a result of the well-documented Equifax data XXXX. My personal information was compromised and has since been used to fraudulently open and/or manipulate accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, codified at 15 U.S.C. 1681c-2 ( a ), I am formally requesting the immediate blocking and deletion of all accounts and tradelines that are the result of identity theft and unauthorized activity. Legal Basis : Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block the reporting of any information in a consumer 's file that results from identity theft not later than 4 business days after receiving : 1. Proper proof of identity ; 2. A copy of a police report or FTC Identity Theft Report ; 3. The identification of the fraudulent information ; 4. A statement from the consumer that the information is not related to any transaction they made. Enclosed are the required documents : A copy of my government-issued photo ID A recent utility bill or official mail for address verification A copy of my FTC Identity Theft Report and/or police report A detailed list of accounts I am disputing and requesting to be blocked Requested Action : I demand that Equifax immediately block and XXXX the following items from my consumer report in accordance with the FCRA : XXXX XXXX xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX XXXX XXXX xxxxx XXXX

Company response to consumer: Closed with non-monetary relief