Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My complaint is to formally notify you of Equifaxs violation of Section 605B, 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) and to request immediate action in blocking fraudulent and unauthorized information on my consumer credit report as mandated by law.

Violation of Section 605B ( 15 U.S.C. 1681c-2 ) Under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), consumers who believe they are victims of identity theft have the right to request that a consumer reporting agency block the reporting of any information in their file that resulted from an identity theft incident. Specifically, the law provides that : Upon a statement from the consumer identifying the fraudulent information, the consumer reporting agency must block the fraudulent information within 4 business days.

The agency is required to prevent the reporting of any such information that resulted from the identity theft incident unless there is a good faith reason to believe that the request is fraudulent or erroneous.

The FCRA requires that upon my request and proper documentation, Equifax must block the identified fraudulent information from being reported and must notify the furnishers of that information.

Details of the Unauthorized Information on My Report I have identified several unauthorized inquiries and one fraudulent account currently reported on my Equifax consumer credit report, which I believe to be the result of identity theft or other unauthorized actions. As outlined by law, this information must be blocked from my report. 

The following inquiries and fraudulent accounts need to be blocked immediately under Section 605B : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This unauthorized information is significantly affecting my credit report and financial standing. In accordance with 15 U.S.C. 1681c-2, I am requesting that Equifax block this information from my consumer report within 4 business days of receiving this notice.

A detailed written statement confirming the information outlined above as being unauthorized and fraudulent.

Request for Immediate Action I expect Equifax to act in full compliance with the law and to block the fraudulent account and inquiries listed above within 4 business days from the receipt of this letter, as required by 15 U.S.C. 1681c-2. 

Please send me written confirmation that this fraudulent information has been blocked from my credit report and that the relevant furnishers have been notified. Failure to act within the prescribed time will result in further action.

Company response to consumer: Closed with explanation