Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Heres your final complaint incorporating the time and money youve spent due to Equifaxs mishandling : Subject : Complaint Against Equifax for FCRA Violations & Mishandling of Identity Theft Dispute Dear CFPB, I am filing this complaint against Equifax for repeatedly failing to investigate and correct fraudulent information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a victim of identity theft and have submitted multiple disputes to Equifax with all required documentation, including : FTC Identity Theft Report Police Report XXXX ID Social Security Card Proof of Address Despite this, Equifax continues to claim that I am missing required items and refuses to process my dispute appropriately. There is no legitimate reason for Equifax to repeatedly send these inaccurate denial letters. 

Summary of the Issue : I have provided all necessary documents with every dispute to prove my identity and confirm the fraudulent nature of the disputed accounts. 
Equifax has ignored or mishandled my submissions and continues to claim I am missing information. 
The attached letters from Equifax show a clear pattern of improper dispute handling, further delaying the correction of my credit report. 
I have spent significant time and money preparing and submitting these disputes, only for Equifax to inaccurately deny them within four days. Their repeated failure to properly investigate is not only unlawful but also imposes an unfair financial and emotional burden on me. 

Laws Violated : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Equifax is required to conduct a reasonable reinvestigation of disputed information. By rejecting my dispute despite receiving overwhelming proof of identity theft, Equifax has failed this duty. 
Failure to Block Fraudulent Information After Identity Theft ( 15 U.S.C. 1681c-2 ) : Under the FCRA, Equifax is required to block fraudulent information within four business days after receiving a valid identity theft report. They have failed to do so. 
Failure to Provide Accurate Consumer Reporting ( 15 U.S.C. 1681e ( b ) ) : Equifax must ensure the accuracy of consumer reports. By refusing to remove fraudulent accounts despite proof, they are in violation of this requirement. 
Failure to Notify Data Furnishers of a Dispute ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Equifax must notify the furnisher of disputed information within five business days. Their repeated rejections suggest this may not be happening. 

Requested Resolution : Immediate removal of all fraudulent accounts associated with my identity theft case. 
Written confirmation that my dispute has been properly processed in accordance with the FCRA. 
Regulatory action against Equifax for violating its legal obligations under the FCRA. 
Compensation or penalties for the time and money I have lost due to their mishandling of my case. 


I have been the victim of adverse action due to the inaccurate information on my Equifax credit profile, denied credit, and this has caused me emotional distress and financial harm. I have an entire stack of documents just like the ones Im attaching as evidence of Equifaxs constant noncompliance. Please investigate this matter and ensure that Equifax upholds its legal responsibilities to protect identity theft victims.

Company response to consumer: Closed with explanation