Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Request to Block and Remove Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ) for blocking and deletion of all fraudulent, inaccurate, and unverified information currently appearing on my Equifax credit report. This request is made pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and supported by the attached documentation verifying my identity and evidence of identity theft. In your response to my prior CFPB complaint and reinvestigation, you stated that several items were verified as belonging to me and that some were modified or updated. However, under FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ), Equifax must conduct a reasonable reinvestigation and ensure the maximum possible accuracy of all information reported. In your response to my prior CFPB complaint and reinvestigation, you stated that several items were verified as belonging to me and that some were modified or updated. However, under FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ), Equifax must conduct a reasonable reinvestigation and ensure the maximum possible accuracy of all information reported. Despite my prior dispute and submission of documentation indicating identity theft, Equifax relied upon furnisher confirmations through automated systems ( XXXX XXXX and electronic transmissions, rather than obtaining documentary proof bearing my signature. Such reliance fails to satisfy your legal obligation to reasonably verify the accuracy and ownership of these accounts. Your reinvestigation response indicated the following outcomes : Several accounts were deleted ( e.g., XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and multiple collections ). However, other fraudulent accounts ( e.g., XXXX XXXXXXXX XXXX ) were incorrectly verified or modified, rather than removed. These verifications are invalid under 605B because identity theft evidence was provided and the debts were not incurred by me. Fraudulent Accounts and Inquiries to Be Immediately Blocked and Deleted. Pursuant to 605B, Equifax must block and delete within XXXX ( XXXX ) business days all information relating to the following fraudulent accounts and inquiries that were never authorized by me : XXXX Opened XX/XX/XXXX XXXX payments. XXXX XXXX XXXX Opened XX/XX/XXXX Late payments. XXXX XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Late payments. 
XXXX XXXX Opened XX/XX/XXXX XXXX payments. XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX & XX/XX/XXXX Late payments. XXXX XXXX Loan & Line of Credit Late payments. XXXX Opened XX/XX/XXXX Late payments. 
XXXX Opened XX/XX/XXXX Late payments. XXXX XXXX Opened XX/XX/XXXX Collection ( {$280.00} ). XXXX XXXX  Opened XX/XX/XXXX Negative reporting. All unauthorized hard inquiries associated with the above furnishers. These accounts are fraudulent, unverified, and unconsented. I am not disputing the existence of these creditors but rather asserting that I am not the responsible debtor. Under FCRA 605B ( a ), upon receipt of proof of identity and an identity theft report, Equifax must, block reporting of the disputed information within XXXX ( XXXX ) business days, and notify the furnishers that the information has been blocked due to identity theft. Under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), Equifax must, maintain reasonable procedures to ensure maximum possible accuracy ; forward all relevant consumer-provided evidence to furnishers ; and refrain from reporting information that can not be verified as accurate and complete. You may not rely solely on automated verification systems such as XXXX XXXX XXXX, or outsourced vendors ( including Innosource, XXXX, XXXX, XXXX, XXXX ). These automated and foreign data processors are not compliant with XXXX privacy and consumer protection laws and therefore can not satisfy FCRA reasonable investigation requirement.

Company response to consumer: Closed with non-monetary relief