Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Summary I am a verified victim of identity theft and an Equifax data breach victim. Despite providing Equifax with my FTC Identity Theft Report ( Report No. XXXX ) and multiple police reports, Equifax continues to report fraudulent and inaccurate accounts in violation of federal law. 

Equifax has refused to delete fraudulent accounts and has failed to correct XXXX XXXX XXXX XXXX reporting, which must reflect Paid as Agreed. 


Accounts in Dispute The following accounts remain on my Equifax report despite repeated disputes, police reports, and identity theft reports : XXXX XXXX  Account No. XXXX Balance {$11000.00} Closed / Charge-Off XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) Account No. XXXX Balance {$1900.00} Closed / Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX  Account No. XXXX Balance {$6700.00} Closed / Charge-Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX Balance {$840.00} Closed / Charge-Off XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXX Balance {$2700.00} Closed / Charge-Off XXXX XXXX XXXX XXXX Incorrect late payment reporting . This account is not fraudulent, but it must be corrected to reflect Paid as Agreed. 


Violations of Federal Law Equifax has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry standards, including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent information after receipt of FTC Identity Theft Report and police reports.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the method of verification, including the names, contact information, and every document used to verify disputed accounts.

FCRA 623 ( a ) ( 6 ) : Continued reporting of information after notice of identity theft.

FCRA 611 ( a ) ( 5 ) ( B ) : Illegal reinsertion of previously deleted information without proper notice.

FCRA 1681e ( b ) : Failure to ensure the maximum possible accuracy of my credit file.

Reliance on Automated Systems : Equifax improperly relied on the automated e-OSCAR system instead of conducting a required human review and reinvestigation.

Metro 2 Violations : Equifax failed to report accurate, complete, and verifiable information in compliance with required Metro 2 format.

Harm and Damages Equifaxs failures have caused : Denial of credit opportunities.

Financial injury and reputational harm.

Emotional distress and ongoing damage to livelihood.

Litigation costs due to Equifaxs refusal to comply with federal law. 

I have filed a lawsuit against Equifax in California XXXX XXXX XXXX ( Case No. XXXX, Hearing Date : XX/XX/year> ) seeking damages for these repeated violations. 


Requested Relief I demand that the CFPB take immediate enforcement action against Equifax and order : 1. Permanent deletion and blocking of all fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction of XXXX XXXX XXXX XXXX account to reflect Paid as Agreed. 
3. Written confirmation from Equifax within 10 business days of compliance.

4. Enforcement of penalties and sanctions against Equifax for repeated and willful violations of FCRA and Metro 2 standards.

This is a formal demand for federal enforcement action. Equifax has continuously ignored the law, ignored evidence, and ignored consumer rights. I request the CFPB intervene immediately to protect my rights and force compliance.

Company response to consumer: Closed with non-monetary relief