Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
This complaint is being submitted as a follow-up and supplemental filing to a previous CFPB complaint I already have open regarding Equifaxs reporting of the same inaccurate and unverifiable accounts. Since my original filing, I have obtained new evidence showing that my personal and financial information was compromised in the Equifax data breach and that multiple accounts and inquiries now appearing on my Equifax report may be the result of identity theft and unauthorized use.

I recently discovered that my personal and financial information was compromised through multiple data breaches, including the Equifax breach. Despite multiple previous disputes, Equifax continues to report these false items. Among the XXXX compromised accounts identified in my data breach report, several are directly connected to my personal financial and identifying information. XXXX, which manages my payroll deposits for my current employment, and XXXX ( XXXX XXXX XXXX XXXX XXXX ), which is the platform that handles my school refunds and financial aid disbursements. Both companies have direct access to sensitive financial and personal information, including my Social Security number, bank routing details, and date of birth. Compromising of these XXXX systems poses a substantial risk of unauthorized use of my personal data. 
Additionally, other compromised accounts include financial, education, and consumer service providers linked to my name and login credentials, which increases the likelihood that the unauthorized collections and inquiries on my Equifax file are the result of identity theft or fraudulent access. This represents a serious violation of my consumer rights under several provisions of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission Act ( FTC Act ), including but not limited to : FCRA 602 ( a ) ( 15 U.S.C. 1681 ) failure to ensure maximum possible accuracy of consumer information.

FCRA 604 ( 15 U.S.C. 1681b ) reporting and obtaining information without a permissible purpose.

FCRA 605B ( 15 U.S.C. 1681c-2 ) failure to block fraudulent or identity-theft-related information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) failure to maintain reasonable procedures to assure accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct lawful reinvestigations using original source documentation.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) furnishers reporting information with actual knowledge of errors.

FCRA 616617 ( 15 U.S.C. 1681n1681o ) willful and negligent noncompliance.

FTC Act 5 ( a ) ( 15 U.S.C. 45 ) unfair and deceptive practices by continuing to report false data.

Equifax has repeatedly verified these items through the automated e-OSCAR system, which is not a valid verification method under the FCRA because it does not include actual supporting documentation. I am requesting that this complaint be escalated beyond e-OSCAR dispute processing to the Equifax Executive Resolution Team and Legal Compliance Division. A manual reinvestigation must be conducted by the proper chain of command with direct access to the original data furnishers.

All verifying documentation required by law must include original signed contracts or applications bearing my signature, complete account statements and payment histories, proof of ownership transfer or chain of title for any debt sold or reassigned, proof of permissible purpose for each inquiry ( FCRA 604 ), and identification of each furnisher, including full name, address, and reporting dates.

If the furnisher or Equifax can not produce this documentation within the time limits established under FCRA 611 ( a ) ( 1 ), all disputed information must be immediately deleted from my file.

The following accounts must be permanently deleted as inaccurate and/or unverifiable : XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX Opened XX/XX/XXXX {$180.00} XXXX XXXX Opened XX/XX/XXXX {$850.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00} National Credit XXXX XXXX XX/XX/XXXX {$5000.00} The following unauthorized hard inquiries must also be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I request that the Consumer Financial Protection Bureau require Equifax to conduct a full, manual reinvestigation of all accounts and inquiries listed above, escalate the review to Equifaxs Legal Compliance and Executive Resolution departments, provide copies of all verifying documents obtained from furnishers, delete or block all unverifiable, inaccurate, or unauthorized data within FCRA timelines, and provide a corrected credit report confirming all deletions. 
This is my third formal dispute regarding these same inaccurate and unverifiable items. Equifaxs repeated reliance on automated verification systems without original proof constitutes willful and negligent noncompliance. If these issues are not resolved through this CFPB complaint, I will pursue all available legal remedies under FCRA 616617 for willful and negligent violations, as well as FTC Act 45 ( a ) for unfair and deceptive reporting practices.

* I have uploaded screenshots and supporting evidence showing the data breach confirmation and the list of 48 compromised accounts, including platforms directly connected to my payroll ( XXXX ) and school refund disbursements ( XXXX ). These documents demonstrate that my personal and financial information was compromised and substantiate my request for deletion of all unverifiable and unauthorized items from my Equifax credit file. *

Company response to consumer: Closed with non-monetary relief