Consumer complaint received 2025-01-19 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: OH

Complaint narrative:
I am filing this complaint against Equifax, XXXX, and XXXX for numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws, as well as their mishandling of my personal and business information, which has caused significant financial and emotional harm. These violations stem from the following : Reporting Fraudulent Accounts and Inquiries : My personal and business information ( associated with Ohio XXXX XXXX, XXXX, XXXX XXXX XXXX, and Automate Everything, XXXX ) was used to create fraudulent accounts and generate unauthorized credit inquiries. These accounts and inquiries appear on my credit reports despite multiple disputes and clear evidence of identity theft. 

Violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Failure to ensure maximum possible accuracy in credit reports. 
XXXX XXXX. XXXX : Prohibition against accessing consumer reports without permissible purpose. 
Failure to Conduct Reasonable Investigations : Despite my submission of disputes and supporting documentation, including an FTC Identity Theft Report ( # XXXX ), the CRAs failed to conduct reasonable reinvestigations of disputed accounts and inquiries. These failures have prolonged the reporting of inaccurate and harmful information. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Requirement to reinvestigate disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX  : Furnishers ' obligation to investigate and report accurate information. 
Negligence in Safeguarding Consumer Data : My personal and business information was exposed in significant data breaches involving Equifax, XXXX, and XXXX XXXX XXXX. These breaches directly facilitated the fraudulent activities that have affected my credit profile. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requirement to protect consumer data accuracy and security. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Prohibition of unfair practices under the XXXX XXXX XXXX XXXX ( XXXX ). 
Relevant Case Law : CFPB v. Equifax ( 2017 ) : {$700.00} XXXX settlement for systemic failures in protecting consumer data. 
Failure to Block Fraudulent Accounts and Inquiries : I submitted valid documentation under XXXX XXXX. XXXX, including the FTC Identity Theft Report and police reports, requesting that the CRAs block fraudulent accounts and inquiries. These requests were ignored, violating my rights under the FCRA. 

Violations : XXXX XXXX. XXXX : Requirement to block fraudulent information upon receiving proper notice of identity theft. 
Improper Use and Reporting of My Credit Information : The CRAs failed to ensure that furnishers provided adequate validation before reporting accounts. In some cases, unauthorized entities accessed my credit reports without my consent or legitimate purpose. 

Violations : XXXX XXXX XXXX XXXX XXXX XXXX  : Prohibition of unauthorized use of credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX : Duties regarding address discrepancies.

Company response to consumer: Closed with explanation