Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute the ongoing violations committed by Equifax with regard to my credit report, and I am seeking your urgent intervention. I have made repeated attempts to resolve these issues directly with Equifax, but they continue to disregard my rights as a consumer and fail to properly address my identity theft claim, as well as failing to update or remove accounts and inquiries that do not belong to me. The details of my complaint are outlined below : XXXX. Identity Theft and Failure to Remove Fraudulent Accounts Since I reported identity theft to Equifax and provided them with all necessary documentation, including my FTC Identity Theft Report and other supporting materials, Equifax has continually failed to remove fraudulent accounts from my credit report. Despite my efforts, they insist on " re-verifying '' accounts that I have proven to be fraudulent, and continue to place these inaccurate accounts back on my report, severely harming my credit score. 
* I have supplied Equifax with copies of my FTC Identity Theft Report, police reports, and other documents confirming my identity theft. However, they refuse to permanently remove the fraudulent accounts, claiming that they have been " verified '' by the creditor. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that when identity theft is confirmed, any information regarding fraudulent accounts must be removed from my credit report. 
2. Failure to Correct Inaccurate Information Equifax has failed to report critical personal information such as my correct date of birth, name, and addresses on my credit report. This omission is creating significant issues for me when I apply for credit, loans, and other financial products, as my application is rejected or delayed due to the incomplete and inaccurate information. 
I have repeatedly contacted Equifax to correct these issues, but they continue to mishandle the process. In particular, they are mixing up my address and are not properly updating my information. This is not only impacting my ability to secure credit but is also in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information on consumer reports. 
XXXX. Unreasonable Difficulty in Contacting Equifax Every time I attempt to resolve these issues with Equifax, I encounter unreasonable delays, including lengthy hold times, repeated transfers to multiple departments, and long wait times without resolution. This has become a systematic issue, and I am left without proper assistance or an opportunity to resolve these matters efficiently. Equifax has also failed to respond directly to me on numerous occasions, only responding when I escalate the matter through the CFPB. 
4. Violation of Civil Rights and Consumer Protection Laws Equifax 's ongoing failure to address these issues and their lack of responsiveness is not only a violation of the Fair Credit Reporting Act ( FCRA ) but may also violate other civil rights and consumer protection laws, including but not limited to : * Fair Debt Collection Practices Act ( FDCPA ) : Failure to cease reporting inaccurate information after it has been proven to be fraudulent could be considered harassment and a violation of consumer protection under the FDCPA. 
* Consumer Financial Protection Bureau ( CFPB ) Regulations : Equifax 's disregard for my rights as a consumer and failure to follow required dispute resolution protocols is an infringement of the protections provided to consumers under Section XXXX of the FCRA. 
* XXXX Rights Violations : By making it increasingly difficult for me to access my personal information and engage in the consumer credit process, Equifax XXXX also be engaging in discriminatory practices, which could violate my civil rights under federal law. 
Conclusion I have exhausted all reasonable efforts to resolve this matter directly with Equifax, and as a result, I am seeking your assistance to ensure that my consumer rights are respected and that these violations are rectified immediately. I trust that the CFPB will take appropriate action in this matter to hold Equifax accountable for their negligence and disregard for consumer protection laws. 
Please find attached all relevant documentation supporting my dispute, including my FTC Identity Theft Report, police reports, and prior correspondence with Equifax. I would appreciate your prompt attention to this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief