Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, am the victim of identity theft and unauthorized credit reporting that has caused significant harm to my credit profile, financial opportunities, and personal livelihood. I have previously submitted multiple complaints to the CFPB regarding inaccurate and unlawful reporting by XXXX and Equifax, including Complaint # XXXX and Complaint # XXXX. 

Despite my efforts, collections and inquiries that I did not authorize remain on my credit report, and the disputed XXXX tradeline continues to be reported inaccurately. These entries are the result of identity theft and unauthorized data sharing, and I have not received any documentation or verification proving that I consented to these accounts or inquiries. 

I have submitted : A formal identity theft report Government-issued ID Copyright registration of my name and identity Documentation of unauthorized inquiries and disputed tradelines A formal invoice for {$25000.00} in damages I am currently in the process of purchasing a home and running a small business, and these inaccurate and unlawful credit entries are directly harming my ability to secure financing, build credit, and operate effectively. This is not just a technical issueit is a violation of my rights under the FCRA, Privacy Act, and identity theft statutes, and it is causing me real and measurable injury. 

I am requesting : Immediate removal of all unauthorized collections and inquiries Deletion or correction of the XXXX tradeline A full reinvestigation under 15 U.S.C. 1681i Monetary relief for damages incurred Supervisory review of Equifaxs and MOHELAs failure to comply with federal law FTC Report Number XXXX XXXX is my witnessI have acted in good faith, submitted all required documentation, and asserted my rights under the law. I am asking the CFPB to take this matter seriously and ensure that these companies are held accountable.

Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am filing this formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ), including failure to update or correct my credit file despite my submission of all required identifying and supporting documents. 

On multiple occasions, I submitted the following through both USPS and Equifax 's online dispute portal : - Government-issued photo ID - Social Security card - Utility bills and bank statements- Trust documents and other government filings These documents were sent via registered mail through the U.S. Postmaster General and uploaded through Equifaxs online platform. Despite receiving confirmation of receipt, Equifax has failed to update or correct my personal information, including name, address, and profile integrity. I have not authorized the reporting of certain items on my credit report, including hard inquiries and accounts that do not belong to me. Under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2, Equifax is obligated to maintain accurate records and to investigate and remove inaccurate or unverifiable information.

Additionally, I have filed previous complaints, and this matter remains unresolved. I believe Equifaxs failure to act in a timely and compliant manner has caused harm, including reputational damage and emotional distress. I request a full investigation, complete correction of my profile, removal of unauthorized inquiries and accounts, and enforcement action if warranted.

cfpb complaints : XXXX, XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief