Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Subject : URGENT CFPB Complaint Equifax Reporting Proven Identity Theft Account Despite Verified Incarceration ( XXXX XXXX ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov Date : XX/XX/year> RE : IDENTITY THEFT Equifax Failure to Remove Fraudulent Account and Address Despite Absolute Proof of Incarceration & Lack of Consent Dear CFPB Case Manager, I am filing this formal and urgent complaint against Equifax for its continued willful reporting of a fraudulent account and address on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 1681s-2. 

I am XXXX XXXX, a XXXX  resident and verified victim of identity theft. I have already submitted all required documentation to Equifax to substantiate this claim, including : A government-issued ID A utility bill confirming my current address ( XXXX XXXX XXXX XXXX, XXXX, XXXX  ) A copy of my Social Security card A prison ID card and proof of my incarceration at the time the disputed account and address were created A written dispute clearly stating that I did not authorize any loans, transactions, or addresses during my period of incarceration and have never issued Power of Attorney to any person during this time FRAUDULENT ACCOUNT & ADDRESS DETAILS : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} ( approx. ) Fraudulent Address Used : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Equifax Reporting Status : ACTIVE and unverifiably attributed to me, despite conclusive evidence of fraud and incarceration. 

FACTS : 1. I was incarcerated during the time the account was opened. My prison ID verifies I was in state custody and could not legally open a line of credit.

2. The address reported by Equifax ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) has no connection to me and was used without my knowledge or authorization.

3. No power of attorney or written consent was ever granted by me during or after my incarceration.

4. I have submitted all required identity theft documentation under the FCRA to Equifax directly. I have requested deletion under the protections afforded to ID theft victims.

5. Equifax has refused to remove the fraudulent information, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681c-2.

LEGAL BASIS : Equifax is in clear violation of : FCRA 1681c-2 : Failure to block identity theft-related information upon proper notification and do
cumentation.

FCRA 1681i : Failure to reinvestigate or correct false information within 30 days.

FCRA 1681s-2 : Failure of furnishers and CRAs to maintain accurate report.

DEMAND FOR RELIEF : I respectfully and urgently request that the CFPB : 1. Investigate Equifaxs ongoing FCRA violations with regard to my file.

2. Compel Equifax to permanently remove the fraudulent XXXX XXXX account and the XXXX, XXXX  address from my credit report.

3. Ensure Equifax notifies all users of my credit report in the past 6 months of this correction as required by law.

4. Impose appropriate penalties or enforcement actions for Equifaxs failure to comply with FCRA guidelines and victim protections.

I appreciate the CFPBs timely attention to this matter. I am requesting urgent resolution as this inaccurate and unlawful reporting continues to impact my access to credit and housing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation