Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
Subject : Urgent Complaint Against Equifax for Illegal Reinsertion of Blocked Identity Theft Account Immediate Action Required Within 4 Business Days To Whom It May Concern : I am submitting this formal complaint to demand immediate regulatory action against Equifax for unlawfully re-reporting an account that was previously blocked and removed from my credit report under the identity theft protections of the Fair Credit Reporting Act ( FCRA ). 

Urgent Action Requested : Equifax must immediately and permanently block the reinserted account again within 4 business days, as required under Section 605B of the FCRA, because it is related to verified identity theft and was previously removed after full documentation was submitted.

Background : On [ insert original dispute date ], I reported a fraudulent account appearing on my Equifax credit report that was the result of identity theft. In compliance with the requirements of 15 U.S.C. 1681c-2 ( Section 605B ), I submitted : A completed FTC Identity Theft Report A police report Proof of identity and address A written request to permanently block the fraudulent account Equifax accepted this documentation and correctly removed the fraudulent account at that time.

Violation of FCRA Improper Reinsertion : Despite the prior removal and block, Equifax has since reinserted the same fraudulent account back onto my credit report on or around [ insert date of reinsertion ]. This reinsertion is unlawful and a direct violation of federal law, particularly the following FCRA provisions : Section 605B prohibits re-reporting of accounts confirmed to be a result of identity theft.

Section 611 ( a ) ( 5 ) ( B ) requires the credit bureau to provide written notice within 5 business days of any reinsertion, including the name and contact info of the furnisher. I received no such notice.

Section 623 ( a ) ( 6 ) prohibits furnishers from supplying information that was previously blocked due to identity theft unless it has been certified as accurate which has not occurred in this case.

Impact : This unlawful reinsertion has negatively affected my credit score, caused financial and emotional distress, and exposed me again to the risk of fraud and identity theft consequences. It has undermined my trust in the credit reporting system and interfered with my ability to secure credit and housing.

Relief Requested : I respectfully request that the CFPB take swift action to : Order Equifax to immediately block and permanently delete the fraudulent account again within 4 business days of receiving this complaint.

Ensure that Equifax provides written confirmation of the block and a permanent removal of the fraudulent tradeline. 

Investigate how the reinsertion occurred, despite the prior identity theft block. 

Hold Equifax accountable for violating the FCRA and impose all applicable sanctions or penalties. 

Ensure ongoing monitoring and compliance, so this account is not reinserted again in the future. 

Enclosures Provided : FTC Identity Theft Report Police Report Proof of Identity Original dispute correspondence with Equifax Copy of credit report showing reinsertion Thank you for your attention to this serious matter. I expect timely resolution and full enforcement of my rights under the FCRA.

Company response to consumer: Closed with explanation