Consumer complaint received 2025-09-11 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 complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal consumer protection laws regarding XXXX failure to conduct a reasonable investigation, failure to provide required documentation, and failure to block fraudulent accounts and inquiries from my credit file despite repeated notices by certified mail and through their online portal. 

I have sent multiple disputes to Equifax via certified mail and their online portal concerning fraudulent accounts and inquiries caused by identity theft. Despite these repeated good-faith efforts, I have only received generic template responses that do not address my disputes or provide the required documentation under the FCRA. 
Equifax has failed to comply with its statutory obligations to protect consumers against identity theft and inaccurate reporting. In addition, given XXXX history of major credit data breaches, this represents an even greater failure of their duty under federal law to safeguard consumer information. Such breaches directly increase the risk of identity theft and strengthen the need for Equifax to delete fraudulent accounts and inquiries from my credit file. 

Fraudulent Accounts and Collections in Question. The following items are disputed as inaccurate, unverifiable, or fraudulent and must be deleted unless you can provide full verification, including signed contracts, complete account records, and proof of lawful reporting : XXXX.Account Name : XXXX XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX ( original creditor XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX Cred ( original creditor XXXX XXXX Bank ) Account Number : XXXX XXXX. Account Name : XXXX XXXX  ( original creditor XXXX XXXX XXXX Bank ) Account Number XXXX XXXX. Account Name : XXXX Funding ( original creditor XXXX XXXX Bank XXXX ) Account Number : XXXX Applicable Federal Laws Violated - FCRA XXXX ( 15 U.S.C. 1681c-2 ) - FCRA XXXX ( 15 U.S.C. 1681i ) - FCRA XXXX ( 15 U.S.C. 1681g ) - FCRA XXXX ( 15 U.S.C. 1681s-2 ) - FDCPA XXXX ( 15 U.S.C. 1692e ) Supporting Documentation Attached - Copy of my FTC Identity Theft Complaint # XXXX. 
- Copies of my dispute letters sent via certified mail and online portal submissions. 
- A copy of my XXXX credit report showing fraudulent accounts and inquiries. 
- List of fraudulent inquiries. 

I am requesting the CFPB to compel Equifax to : XXXX. Immediately block the fraudulent accounts and inquiries under FCRA XXXX. 
XXXX. Provide me with all documentation, contracts, applications, or evidence they claim to have used in verifying these fraudulent accounts. 
XXXX. Remove all fraudulent accounts, collections, and inquiries from my credit report. 
XXXX. Confirm that none of this information will be reinserted without proper notice under FCRA XXXX ( a ) ( XXXX ) ( B ). 
XXXX. Ensure Equifax complies with its obligations under the FCRA and FDCPA, including its duty to safeguard consumer data against breaches. 

In fact, each of the major credit reporting agencies has a history of serious data breaches that exposed consumers to identity theft and fraud. For example, Equifax suffered a massive breach in 2017 that exposed the personal data of approximately XXXX XXXX consumers, including Social Security numbers, birth dates, addresses, and drivers license numbers. Experian and TransUnion have also experienced breaches and lawsuits related to unauthorized access of consumer records. Because of these failures, my personal information has been exposed and is now circulating on the dark web, placing me at ongoing risk. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy and protect consumer privacy. Furthermore, the Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibits unfair or deceptive practices, which includes failure to safeguard sensitive consumer information. 

Equifax has failed to uphold its statutory obligations despite my repeated certified mail requests and online portal submissions. These failures are in direct violation of federal law, and I request the CFPBs immediate intervention to ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation