Consumer complaint received 2025-07-19 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: NM

Complaint narrative:
Equifax and TransUnion have continued to allow fraudulent accounts and several ongoing credit inquiries ( from these fraudulent companies ) on my credit report, despite my multiple formal submissions under Section 605B of the Fair Credit Reporting Act. I submitted all required documentation, including an FTC Identity Theft Report, police report, and now FTC-generated letters supporting my identity theft claim ( as well as a victim statement begging for assistance with my numberous 605B packets submitted ).

Equifax and TransUnion both delayed processing my original FTC report so long that it eventually expired. This delay was absolutly due to my documented vestibular disability, which limits my ability to consistently access and manage online systems ( due to light sensitivity and other brain impairments ). Despite the fact that the original report was valid at the time of submission, they later claimed it was invalid due to expiration, forcing me to file another FTC report just to stay compliant. 

Even after receiving all necessary documents, Equifax and TransUnion continue to treat my 605B identity theft filing as a standard Section 611 dispute, which it is not. Under 605B, the bureaus are required to block fraudulent accounts and inquiries within 4 business days. To date, they have failed to do so ( this has been ongoing since XXXX ). 

To make matters worse, Ive repeatedly requested the verification details both bureaus relied on to validate these accounts and all of the fraud I have endured during my time of medical vulnerability. The only response Ive received is that they confirmed my name, Social Security number, and address all of which were compromised and are publicly known to have been part of several data breaches and my identity being compromised. Ive asked them to provide the exact documents or sources used in this so-called verification, and theyve refused, telling me Id need a subpoena to access my own records. This is especially alarming given that Im the consumer whose identity is at stake and who's credit is being harmed. 

Ive also submitted valid proof of identity and current legal residency. I had to obtain a new license because I believe my previous one was compromised. However, I never gave the bureaus a copy of the old license, and theyve never clarified if it or any fraudulent document was used to verify me. They will not confirm whether the address they used was one of over 30 fraudulent addresses previously attached to my file. This complete lack of transparency raises serious questions about the integrity of their verification process. 

The companies still involved including but not limited to XXXX, XXXX XXXX, and XXXX XXXX XXXX continue to access my credit report and run inquiries using unknown personal data. Its unclear whether they are misusing old information, actively stealing my current identifiers, or both. Either way, the result is creating ongoing damage to my credit and continued FCRA violations. 

I am asking the CFPB to take immediate action to enforce Section 605B and ensure these items are fully blocked, not just temporarily removed for later insertion. The credit bureaus must also be held accountable for refusing to disclose how these accounts were verified and for continuing to allow fraudulent data to harm me. 

Under the FCRA, especially Sections 609 and 611, I have the right to request : All information in my file The sources of that information How and when that information was verified Who verified it To date, none of this has been provided to me. I am not just asking for a dispute. I am demanding protection and enforcement under Section 605B as a documented victim of identity theft.

Company response to consumer: Closed with explanation