Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : **Follow-up on Equifax Dispute Investigation and Inadequate Response ( Complaint # XXXX, etc. ) ** I am writing to formally address the lack of resolution regarding my ongoing dispute with Equifax concerning fraudulent accounts that were opened in my name due to identity theft. Despite my initial complaints, supporting documentation, and several prior complaints to the Consumer Financial Protection Bureau ( CFPB ), Equifax 's response to my dispute remains inadequate and non-compliant with the Fair Credit Reporting Act ( FCRA ). 

In their response, Equifax claims that the disputed accounts belong to me and that they have verified the accuracy of the information. However, they fail to provide any meaningful evidence to support their claims, including documentation from the creditors, specific investigation results, or any reasonable explanation for how these accounts were verified. Additionally, the accounts reported to me remain inaccurately listed despite clear evidence of identity theft, including police reports, an FTC Identity Theft report, and my Equifax data breach claim number ( XXXX ). 

Here are the issues with Equifaxs response : XXXX. **No Documentation Provided : ** Equifax has not provided any verification, such as a written response or evidence from the creditors, proving the accuracy of the accounts they claim belong to me. 

XXXX. **Failure to Block Fraudulent Accounts : ** Equifax has not blocked the fraudulent accounts tied to identity theft, as required by XXXX XXXX of the FCRA XXXX Despite providing valid supporting documentation and filing numerous complaints with the CFPB, these accounts remain on my credit report. 

XXXX. **Vague Responses : ** Equifaxs response merely states that the disputed items have been " verified as accurate, '' without any meaningful investigation or clarity. The response lists vague updates such as " scheduled payment '' and " account history modified, '' but without indicating what changes were actually made. 

XXXX. **Failure to Comply with FCRA Deadlines : ** Under the FCRA , Equifax was required to resolve these disputes within 30 days and provide me with valid documentation to support their findings. Instead, they have failed to do so, which is a violation of my rights under the law. 

Given the failure of Equifax to meet its legal obligations, I am requesting that the CFPB : XXXX. XXXX Equifax to provide the full documentation** supporting their findings for each of the disputed accounts, including communications with the furnisher of the information and the specific details of their investigation process. 

XXXX. **Ensure compliance with the FCRA** by requiring Equifax to block the fraudulent accounts within XXXX business days and conduct a thorough re-investigation of all disputed items based on the evidence I have provided. 

XXXX. **Hold Equifax accountable** for any further violations of the FCRA, CFPA, and other relevant consumer protection laws, including but not limited to their failure to follow the CFPB 's XX/XX/XXXX enforcement actions related to the improper investigation of consumer disputes. 

For your reference, the following is a comprehensive list of the **complaints I have filed with the XXXX related to this matter : - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** - **Complaint # XXXX ( Filed XX/XX/XXXX ) ** I respectfully request the CFPB 's immediate attention to this matter. If this issue is not resolved promptly and Equifax continues to ignore my evidence, I will pursue all available legal options, including potential litigation and further escalation of this matter with the CFPB. 

Thank you for your attention to this serious issue. Please do not hesitate to contact me if further information is required.

Company response to consumer: Closed with explanation