Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Complaint Against : Equifax Information Services LLC Dispute Reference Number : XXXX, opened by Equifax on XX/XX/year> Issue : Violation of the Fair Credit Reporting Act ( FCRA ) Failure to remove identity theft account under 15 U.S.C. 1681c-2 ; Repeated and unjustified document requests ; Bad-faith delay of dispute resolution process. 

Details of the Complaint : On XX/XX/year> ; I submitted a dispute to Equifax regarding a fraudulent account resulting from identity theft. I included all legally required verification documents : color copies of my XXXX  State ID, Social Security card, FTC Affidavit and a utility bill. These documents were clear and legible. 

Despite this, Equifax has responded multiple times requesting the exact same documents, citing vague issues of verification. This is clearly a stall tactic, not a legitimate concern. My documentation was complete and previously accepted in earlier disputes. The behavior amounts to intentional delay and bad-faith processing. 

The Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, is clear : when identity theft is reported with proper documentation, the credit reporting agency must block the fraudulent information within four business days. It is now well beyond that timeframe, and Equifax has not blocked the fraudulent account, nor have they provided any proper explanation.

Moreover, I am fully aware that Equifax was sued by the CFPB in XXXX  for similar conduct, including failure to handle disputes properly and misleading consumers. It is deeply concerning that despite this recent regulatory enforcement action, Equifax continues to repeat the same patterns of noncompliance, especially in identity theft cases like mine.

As of today, my dispute remains unresolved. Equifax continues to send stall letters, request redundant documents, and has failed to act in accordance with both federal law and recent regulatory pressure. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau : XXXX. Require Equifax to immediately and permanently block the fraudulent account in accordance with 15 U.S.C. 1681c-2. 
XXXX. Investigate and take regulatory action against Equifax for its failure to comply with the FCRA, particularly in the context of identity theft disputes. 
XXXX. Recognize that this case reflects continued noncompliance, even after recent CFPB enforcement action, and that stronger corrective or punitive measures may be necessary. 
XXXX. Ensure Equifax ceases the use of repetitive document requests and resolves disputes within the 30-day statutory window, as required. 
XXXX. Provide me written confirmation that the dispute has been resolved and the fraudulent information removed. 

Equifaxs ongoing failure to meet its legal obligations shows clear disregard for consumer protections and federal enforcement. I am asking the CFPB to act decisively. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief