Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am submitting this complaint because Equifax has failed to comply with the Fair Credit Reporting Act after receiving complete and legally sufficient identity theft documentation and has improperly dismissed valid law enforcement records. 

I am a documented victim of identity theft and auto theft. In XX/XX/year>, my vehicle was stolen along with my purse, government issued identification, and personal financial documents. This incident is documented in an official police report. The vehicle was later recovered in Massachusetts, a location where I have no residence or financial activity. Following this theft, my personal information was used without my knowledge or consent to open and maintain multiple fraudulent credit accounts, collections, and inquiries. 

I submitted an FTC Identity Theft Report, a valid police report, sworn dispute statements, and identifying documents to Equifax. After receiving no meaningful action, I contacted Equifax by phone and was told that my police report was not valid. This statement is incorrect. The police report is legitimate, unaltered, and was issued by a law enforcement agency. No documents submitted were false, incomplete, or modified in any way. 

Despite this, Equifax refused to block the identity theft related information and continued reporting the items as verified. In an effort to further appease Equifax, I submitted additional documentation, including an FBI IC3 report, to reinforce that the activity is criminal in nature. Even after providing this additional evidence, Equifax has still failed to take corrective action or meaningfully investigate my disputes. 

My identity theft is further corroborated by exposure in multiple major data breaches, including the TransUnion XXXX  data breach that exposed Social Security numbers and dates of birth for an unknown duration, as well as breaches involving XXXX XXXX, XXXX XXXX XXXX, and multiple consumer platforms where my personal data was found on the dark web. These breaches explain the scope, volume, and geographic spread of fraudulent activity now appearing on my credit report. 

Equifax also failed to provide a lawful Method of Verification after reporting disputed items as verified. I requested the required Method of Verification under FCRA Section 611, but Equifax did not provide the procedures used, the furnishers contacted, or the documentation relied upon. Generic statements that items were verified do not meet federal requirements.

The continued reporting of fraudulent accounts, inquiries, and corrupted personal information has caused ongoing financial harm. Under Georgia law, including O.C.G.A. Section 10 1 393, the continued publication of known false information after notice may constitute an unfair or deceptive practice.

The identity theft related items Equifax has failed to block include accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with unauthorized inquiries and incorrect personal information. 

In addition to the identity theft related accounts, my credit file contains three student loan accounts serviced by XXXX that are reporting materially inaccurate late payment history. 

These accounts are reporting 90 and 120 day delinquencies without the required 30 and 60 day delinquency progression, which is not possible under standard credit reporting and violates maximum accuracy requirements. Delinquency reporting must follow a logical sequence. Skipping required stages renders the reporting inaccurate and unreliable. 

Further, XXXX has confirmed directly that these student loan accounts are current and up to date, which directly contradicts the negative payment history being furnished to the credit bureaus. This confirms that the source data being reported can not be trusted. 

The XXXX accounts also contain cross bureau inconsistencies, including differing account identifiers and conflicting dates of last payment, further demonstrating that the information is unverifiable. 

Equifax has continued to report these inaccurate late payments despite notice, in violation of FCRA Section 1681e ( b ), which requires maximum possible accuracy, and despite confirmation from the servicer that the accounts are not delinquent.

Because these student loan accounts involve federally regulated education records, continued inaccurate reporting also raises concerns under the Higher Education Act and FERPA, which require accurate handling and disclosure of borrower information.

Company response to consumer: Closed with non-monetary relief