Consumer complaint received 2025-07-02 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 am filing this formal complaint against Equifax for its ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) in relation to fraudulent accounts reported on my credit profile. I have repeatedly notified Equifax that the following accounts are the result of identity theft. Despite my providing police reports, FTC Identity Theft Reports, and supporting documents, these accounts remain on my credit file. 

Equifax continues to falsely allege that these accounts are valid, even though : I have never opened or authorized these accounts None of these accounts contain my signature or personal authorization The original creditors and debt collectors have failed to provide any valid verification I have submitted valid identity theft documentation under FCRA 605B Fraudulent Accounts That Must Be Deleted : The following accounts are fraudulent and unauthorized, and must be blocked and permanently deleted under FCRA 605B : Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts are causing substantial damage to my credit and personal life. Equifax has no legal justification for continuing to report them. 



Violations of the FCRA : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft Equifax is legally obligated to block any information resulting from identity theft within 4 business days after receiving a valid police report and identity theft affidavit. My submission was complete and compliant, yet no action has been taken. 

2. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation Equifax is required to conduct a reasonable reinvestigation into disputed accounts. The continued presence of these fraudulent accounts shows negligence or willful refusal to comply. 

3. FCRA 623 ( a ) ( 6 ) Failure to Indicate Accounts are in Dispute Equifax has failed to properly indicate these accounts are disputed which is required by law and necessary to avoid misleading third parties reviewing my report. 

4. FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability for Willful and Negligent Noncompliance Given the duration and severity of Equifaxs inaction, I assert this is willful noncompliance, exposing Equifax to actual, statutory, and punitive damages, as well as attorney fees. 



Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureau held liable for failure to remove inaccurate information despite consumer disputes. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Furnishers and credit bureaus held liable for failing to properly investigate disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ) : Failure to block identity theft information is a violation of XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reaffirmed that credit bureaus must conduct independent and reasonable investigations, not rely solely on data furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Cir. XXXX ) : Failure to report an account as disputed constitutes a misleading omission under FCRA. 



Damages Incurred : Due to Equifaxs negligence and inaction, I have suffered : Lower credit scores Denials for credit and financial products Emotional distress and anxiety Time and financial costs associated with legal support Damage to my personal and professional reputation My Legal Intent : I have retained legal counsel and will initiate legal proceedings against Equifax if the fraudulent accounts are not removed within 4 business days. I will seek : Permanent deletion of fraudulent accounts Punitive and statutory damages Attorneys fees All remedies available under FCRA and relevant state laws Regulatory Complaints Will Also Be Filed With : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General XXXX XXXX XXXX XXXX XXXX  ) Office of the Inspector General ( FTC ) State Department of Consumer Affairs National Consumer Law Center ( NCLC ) Resolution Demanded : XXXX. Immediate and permanent deletion of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A written statement of confirmation from Equifax verifying that these accounts have been blocked and deleted 3. Cessation of all future reporting or reinsertion of these accounts unless Equifax can provide verified documentation that I authorized them ( which does not exist ) If I do not receive confirmation of deletion and resolution within 4 business days, I will proceed with legal action and further regulatory complaints.

Company response to consumer: Closed with non-monetary relief