Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
CFPB Complaint Description Equifax Refusal to Process Verified Dispute After Data Breach Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, MO XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX XXXX XXXXXXXX Credit Bureau : Equifax Information Services LLC Complaint Summary : I am filing this complaint against Equifax because they refused to properly process my verified credit dispute, despite my direct submission, full identity verification, and multiple prior FTC filings confirming I am a victim of identity theft and data compromise. 
Equifax issued a misleading response claiming that my dispute did not come directly from me or someone I authorized. This statement is false. I personally initiated the dispute, provided my identifying information, and submitted the supporting documentation required under the Fair Credit Reporting Act ( FCRA ).

Their refusal to investigate and process my dispute violates my rights under 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ), 1681e ( b ) ( requirement to ensure maximum possible accuracy ), and 1681c-2 ( blocking information resulting from identity theft ).

The item in question is a public record bankruptcy ( XXXX  XXXX, Case No. XXXX ) that has been reported inaccurately and without proper verification. I have already provided clear evidence that this record does not match my full identifiers and should have been deleted. Instead of conducting a lawful reinvestigation, Equifax dismissed my verified submission under false pretense that it was unauthorized.

This improper denial of a legitimate FCRA dispute has left me vulnerable to further identity theft, financial harm, and reputational damage, especially given that my personal data has been compromised by a national data breach. The continued publication of inaccurate information despite repeated notice demonstrates willful and negligent noncompliance with federal law.

Equifaxs response is obstructive, misleading, and fails to protect consumers as required under the FCRA and FTC consumer protection standards. Their conduct has denied me the ability to correct false and damaging information that continues to appear on my credit report.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Require Equifax to properly acknowledge and process my verified dispute as submitted directly by me.

Direct Equifax to delete the unverifiable bankruptcy record ( Case No. XXXX ) and any associated inaccurate data.

Ensure Equifax provides full documentation of its method of verification, including the specific source and identifiers relied upon.

Compel Equifax to comply with its obligations under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681c-2, and issue a corrected report.

Investigate Equifaxs systemic practice of rejecting verified disputes under the false claim that they were not consumer-submitted.

I have acted in good faith, verified my identity multiple times, and submitted official FTC Identity Theft Reports confirming my victim status. Equifaxs ongoing refusal to reinvestigate or remove unverifiable data not only violates federal law but also leaves me at continued risk of further fraud and exposure.

Company response to consumer: Closed with explanation