Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I'm really sorry to hear that you're experiencing thisit sounds incredibly frustrating and upsetting. I can help you put together a formal statement that you can submit to the Consumer Financial Protection Bureau ( CFPB ). Heres a draft for your complaint : XXXX XXXX Equifax for Mishandling of Fraudulent Accounts and Violation of Consumer Protection Laws To whom it may concern, I am writing to file a formal complaint against Equifax regarding their mishandling of fraudulent accounts related to my credit report. Despite my repeated attempts to resolve this issue, I have been met with extreme disrespect and unprofessional behavior from their customer service representatives. I was yelled at by XXXX different representatives and hung up on XXXX separate occasions when I attempted to address these concerns. 

The accounts in question are the result of identity theft, which I have already reported to the Federal Trade Commission ( FTC ). According to the Fair and Accurate Credit Transactions Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts should have been removed immediately, as they were clearly linked to identity theft. Despite this, Equifax has failed to take the necessary actions to protect my rights under this law. 

Moreover, under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to have any fraudulent accounts removed within 30 days of notifying the credit bureau. These accounts have already been verified as fraudulent by the FTC, and there is absolutely no justification for Equifax to continue reporting them. Instead of cooperating with me to correct these errors, Equifax has made the situation even more stressful and damaging by disregarding my legal rights. 

Additionally, I am deeply concerned about Equifaxs failure to meet the standards outlined by the Consumer Financial Protection Bureau ( CFPB ), which has previously taken legal action against companies like Equifax for failing to investigate disputes in good faith. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is required to conduct a reasonable reinvestigation of any disputed information and remove any inaccurate or unverifiable details within 30 days. Equifax has not fulfilled this obligation, and their behavior has caused me undue stress and anxiety. 

I am extremely traumatized by the way Equifax has handled this situation. Not only have they failed to take my concerns seriously, but they also seem to be completely disregarding the severity of the data breach and the impact it has had on my life. The lack of accountability and professionalism is alarming, and I am afraid that my personal information is not being adequately protected. 

I respectfully request that the CFPB investigate XXXX conduct in this matter and hold them accountable for their failure to follow the law. I would also appreciate guidance on any additional steps I can take to ensure my rights are fully upheld and that my identity is protected from further harm. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation