Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this formal complaint to the CFPB regarding the response from Equifax to my dispute submitted via the Equifax XXXX XXXX portal on XX/XX/year>. I am concerned about the irrelevant request made by Equifax on XX/XX/year>, which is completely unrelated to the actual dispute I submitted. Here is my analysis of the situation : 1. Irrelevant Request for Documentation : I was surprised and confused when Equifax responded with a request for proof of identity and proof of address. While I understand identity verification may be necessary in some cases, this request is completely irrelevant to my dispute. My complaint is focused on Equifaxs failure to properly investigate my dispute and their blocking of communication channels, not about identity verification. I am not requesting to verify my identity ; rather, I am asking for resolution to my legitimate dispute involving inaccurate credit reporting and mishandling of my case. 

XXXX XXXX XXXX Victim Documentation Request : What makes this response even more bizarre is the inclusion of a human trafficking victim documentation section. As a consumer dispute, this is entirely out of place. There is no connection between my case and the human trafficking victim status request, and I find it both unprofessional and confusing that such an unrelated request was included. This is nothing more than a distraction from the real issue, which is the mishandling of my dispute and the failure to restore access to the dispute process.

3. Failure to Address Core Issue : Despite the clear nature of my complaint, which centers on Equifaxs mishandling of my dispute and the failure to restore access to the dispute process, their response completely ignores the real issue. Instead, theyve focused on irrelevant verification processes, which does nothing to address my actual concerns. The failure to investigate my dispute, block communication channels, and restore my access to the dispute process are the real issues, and I have not received any action or response to resolve them.

4. Lack of Immediate Action : The response I received from Equifax on XX/XX/year>, was generic and did not address the timeliness or urgency of my complaint. Instead of offering a solution or even acknowledging the issue, their response diverts attention to administrative steps that are completely unnecessary. They have not provided any concrete steps to resolve the core dispute or to restore my access to the dispute process. This is a delaying tactic, and I am frustrated by the lack of progress. 

Conclusion : Based on the response I received, Equifax seems to be using irrelevant requests for proof of identity and human trafficking victim documentation as a way to divert attention from the real issue. This has only complicated the situation further and delayed any progress toward resolving my dispute.

I am requesting that the CFPB investigate Equifaxs failure to process my dispute properly, including their failure to restore access to the dispute process and their blocking of communication channels. I also ask that you review the irrelevant documentation requests that have been made, which are unrelated to my actual complaint. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief