Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for their blatant refusal to block fraudulent accounts from my credit report as required by Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite my compliance with all legal requirements, including submitting an Identity Theft Report and supporting documentation, Equifax has unlawfully failed to block the fraudulent accounts and continues to allow inaccurate information to be reported on my credit file.

Violation of FCRA Section 605B : Under Section 605B of the FCRA, when a consumer identifies an account as fraudulent and provides an Identity Theft Report ( which I did ), the credit reporting agency is legally required to block that information from the consumers credit report within four business days. This provision is clear, and Equifaxs refusal to act constitutes a violation of my rights under federal law. 

To date, I have provided the following : Identity Theft Report ( FTC report/police report ) Documentation supporting my claim of identity theft and fraudulent accounts Explicit notification to Equifax that these accounts were fraudulently opened in my name.

Despite this, Equifax has refused to block the accounts from my credit report, and they have failed to provide any legitimate reason for their non-compliance. This continued misreporting is harming my credit score, damaging my financial reputation, and causing ongoing harm to my ability to obtain credit. 

Fraudulent Accounts in Dispute : The following fraudulent accounts should have been blocked by Equifax, but remain on my credit report : Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX  XXXX Account # XXXX : XXXX XXXX  XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX  XXXX XXXX These accounts were opened fraudulently and have no basis for being reported as part of my credit history. Equifaxs refusal to block this information is an outright violation of my rights under FCRA Section 605B, and I demand that Equifax be held accountable for this unlawful practice. 

Request for CFPB Intervention : I am requesting that the CFPB take immediate action to address this violation by investigating Equifaxs failure to comply with Section 605B of the FCRA. I request the following actions : 1. Immediate investigation into Equifaxs refusal to block fraudulent accounts. 
2. Action to compel Equifax to block the fraudulent accounts from my credit report and to correct my credit history.

3. Notification from CFPB detailing the resolution of this matter and any enforcement action taken.

If Equifax fails to comply with Section 605B, I will consider further actions, including seeking damages for the harm caused by this non-compliance and filing complaints with : The Federal Trade Commission ( FTC ) The State Attorney Generals office Legal action for damages resulting from identity theft and continued misreporting Conclusion : The refusal of Equifax to follow the law, despite clear documentation and my repeated attempts to resolve this issue, has caused serious damage to my credit and financial well-being. I expect immediate intervention from the CFPB to ensure that Equifax is held accountable for its illegal actions and that this matter is resolved without further delay. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a resolution of my complaint.

Company response to consumer: Closed with non-monetary relief