Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : THIRD NOTICE IDENTITY THEFT BLOCKING REQUEST UNDER FCRA SECTION 605B Dear CFPB, I am writing to formally demand the immediate blocking and removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ]. This is my THIRD request and follows multiple prior submissions which were improperly treated as regular disputes, despite clear evidence of identity theft.

Under Section 605B, you are required to block information resulting from identity theft within four business days of receiving WHICH I AM ATTACHING AGAIN FOR THE THIRD TIME : A valid identity theft report ( attached : FTC Report ) Proof of identity ( attached : Government-issued ID and SS card ) Proof of address ( attached : [ utility bill/bank statement/etc. ] ) A statement identifying the fraudulent accounts and requesting blocking Fraudulent Account ( s ) : Creditor : XXXX XXXX XXXX  Account Number ( last XXXX digits ) : XXXX This account was opened fraudulently and has been acknowledged by XXXX  XXXX as the result of identity theft ( see attached letter ). 
Despite providing this information previously, your company has failed to comply with your legal obligation under Section 605B and continues to mishandle this matter as a standard dispute.

I am aware that credit reporting agencies are not permitted to selectively determine which identity theft claims qualify under FCRA 605B once all statutory documentation has been provided. The law mandates blocking within four business daysnot discretionary review. It is deeply concerning that your agency appears to be arbitrarily applying or ignoring the law, particularly after receiving valid documentation and acknowledgment from the creditor that the account is fraudulent. This selective handling is a direct violation of federal law and will not be tolerated. 

I am again demanding : Immediate blocking of the fraudulent item ( XXXX ) ONCE AGAIN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of this identity theft and the failure to correct my credit file , two accounts are currently reporting late payments, which are further damaging my credit score and financial standing. XXXX XXXX  and XXXX XXXX. These late payments are fraudulent and do not reflect my actual payment history or financial behavior. I am not requesting that these accounts be removed in full if they are legitimate accounts opened by me only that the payment history be corrected to remove the inaccurate late payment notations associated with identity theft-related activity. 

Written confirmation that the item has been removed An updated copy of my credit report reflecting the changes Failure to comply will result in further legal action, including additional complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal claims for damages, costs, and attorneys fees under the FCRA. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation