Consumer complaint received 2025-10-31 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: ME

Complaint narrative:
My name is XXXX XXXX, and I am a confirmed victim of identity theft. On XX/XX/XXXX, I filed FTC Identity Theft Report XXXX XXXXXXXX to document fraudulent use of my personal information. I submitted this report to Equifax, along with my XXXX XXXX  drivers license, Social Security card, XXXX XXXX XXXX XXXX, and a signed affidavit requesting immediate deletion of all fraudulent and unauthorized items. 
Even with full documentation in hand, Equifax has failed to remove or block fraudulent information on my credit file, which violates FCRA 605B ( 15 U.S.C. 1681c-2 ). That law requires credit reporting agencies to block identity-theft-related data within XXXX ( XXXX ) business days once an FTC Identity Theft Report and proper proof of identity are received. 
Data Breach Connection I am also a documented victim of the Equifax XXXX XXXX of XXXX, which exposed Social Security numbers, dates of birth, and personal account identifiers for over XXXX XXXX consumers including mine. Because of that breach, my information has been repeatedly used by identity thieves to apply for credit and generate fraudulent inquiries. It is unacceptable that Equifax the same company responsible for that breach continues to publish fraudulent data tied to that compromised information despite receiving my identity theft documentation. 
Fraudulent Items Still Appearing on My Equifax Report Fraudulent Account : XXXX XXXX Account XXXX XXXX XXXXXXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX  Dates of inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( multiple unauthorized entries ). 
XXXX  XXXX XXXX XXXX XXXX, XXXX  Dates of inquiry : XX/XX/XXXX, XX/XX/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 
Fraudulent Addresses : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized any of these applications or credit pulls and have no relationship with these businesses. Each of these inquiries and data points stem from identity theft and the misuse of my information following the Equifax breach. 
Equifaxs Mishandling and Legal Violations Even after receiving my FTC Identity Theft Report XXXX XXXXXXXX and full proof of identity, Equifax has failed to comply with federal law. The company has : Misclassified my 605B identity theft filing as a standard 611 dispute.

Forwarded fraudulent inquiries to furnishers for verification rather than blocking them as required by 605B. 
Repeatedly asked for ID and proof of address that were already provided. 
Continued to report fraudulent data and failed to send deletion confirmations or reinsertion notices. 
These actions constitute ongoing violations of : FCRA 605B : Failure to block fraudulent information within 4 days.

FCRA 603 ( q ) ( 4 ) : Ignoring a valid FTC Identity Theft Report.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.

FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification.

FCRA 623 ( a ) ( 1 ) ( A ) : Publishing information known to be false.

FDCPA 1692e ( 8 ) : Reporting false credit information.

CFPA 1031 ( 12 U.S.C. 5531 ) : Engaging in unfair, deceptive, and abusive acts.

FTC Act 5 ( 15 U.S.C. 45 ) : Deceptive and unfair data reporting practices.

XXXX XXXX Identity Theft Protection Act ( S.C. XXXX XXXX XXXX XXXX XXXX 
Conclusion I provided Equifax with everything required under federal law : my FTC Identity Theft Report XXXX XXXXXXXX, affidavit, drivers license, XXXX card, and utility bill. This documentation fulfills every element of FCRA 605B and 603 ( q ) ( 4 ), and Equifax is legally obligated to block fraudulent items within XXXX days of receipt. 
Despite this, Equifax continues to report and verify fraudulent accounts and inquiries including multiple unauthorized pulls from XXXX XXXX XXXX XXXX ) and other creditors which clearly demonstrates willful and reckless disregard for federal law. 
I request that the CFPB compel Equifax to : Immediately and permanently delete all fraudulent accounts, inquiries, addresses, and name variations. 
Provide written confirmation of each deletion and confirm that no reinsertion will occur unless all requirements of FCRA 611 ( a ) ( 5 ) ( B ) are met. 
Stop re-verifying fraudulent information with furnishers and cease unnecessary ID requests. 
Face penalties and regulatory action for continued noncompliance with federal and state consumer protection laws.

Company response to consumer: Closed with explanation