Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Equifax Failure to Remove Fraudulent Information Resulting from Identity Theft and Data Breach I am writing to file a formal complaint against Equifax for its failure to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ), regarding the removal of fraudulent information from my credit report. I am a victim of identity theft, and despite providing Equifax with all necessary documentationincluding a police report, an FTC Identity Theft Report, and proof of my identityEquifax has failed to block and remove the fraudulent accounts and inquiries from my credit report as required under 15 U.S.C. 1681c-2 ( a ) and Section 609 of the FCRA. 

As a result of this failure, I have been unable to secure an affordable home, obtain a reliable car, and advance my position in society. The fraudulent information on my credit report has severely damaged my creditworthiness and caused me significant financial and emotional distress. This ongoing harm is unacceptable, particularly given Equifaxs obligation to ensure the accuracy of consumer reports. 

Additionally, I would like to highlight that Equifax was directly responsible for exposing my information in the XXXX data breach, which compromised the personal information of nearly XXXX XXXX Americans. This breach, caused by Equifax 's failure to implement adequate cybersecurity measures, has made meand millions of othersvulnerable to identity theft. In *Federal Trade Commission , et al. v. Equifax Inc.*, Equifax agreed to a {$700.00} XXXX settlement in XXXX, which required the company to compensate affected consumers, provide free credit monitoring for up to 10 years, and take greater responsibility for the accuracy and security of consumer data. The settlement also required Equifax to block and remove fraudulent information tied to the breach. 

Despite these obligations, Equifax has failed to act in compliance with both the FCRA and the terms of the XXXX settlement. **Failure to comply with these obligations will not only constitute a violation of the FCRA but also a breach of the terms of the XXXX settlement. ** This negligence on Equifaxs part has directly contributed to the fraudulent activity on my credit report and the resulting harm to my financial opportunities and quality of life. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to compel Equifax to : 1. **Immediately block and remove all fraudulent information** from my credit report, as required under the FCRA. 
2. **Provide confirmation in writing** that the fraudulent accounts and inquiries have been removed. 
3. Investigate whether Equifax is in compliance with the XXXX settlement terms and ensure that they are fulfilling their legal obligations to consumers harmed by the XXXX data breach. 

The fraudulent information I have identified includes the following : Fraudulent Information/Accounts : 1. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX, Balance : {$11000.00} 2. XXXX XXXX Account Number : XXXX XXXX Balance : {$990.00} 3. XXXX XXXX Account Number : XXXX XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX, Balance : {$18000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$14000.00} XXXX. XXXX XXXX, XXXX Account Number : XXXX, Balance : {$61000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$61000.00} XXXX. XXXX XXXX Account Number : XXXX, XXXX : {$26000.00} XXXX. Address : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Equifaxs failure to address this matter has caused me severe harm, including denial of affordable housing, inability to purchase a car, and damage to my overall financial stability. I request the CFPB to hold Equifax accountable for its negligence and ensure that my rights under federal law are enforced. 

**Attachments : ** - Police Report - FTC Identity Theft Report - Copy of Government-Issued Identification - Proof of Address

Company response to consumer: Closed with non-monetary relief