Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Second Notice FCRA 605B Identity Theft Block Request Non-Compliance by Equifax Date of Initial Dispute : XX/XX/XXXX Credit Bureau : Equifax To the Consumer Financial Protection Bureau, I am filing this complaint against Equifax for non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( Section 605B ) and 1681i ( Section 611 ), in response to their failure to block identity theft-related information from my credit file as required by law. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Collection/Chargeoff opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * *, and a Collection/Chargeoff opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


On XX/XX/XXXX, I submitted a formal identity theft block request to Equifax in accordance with FCRA 605B. My submission included the full set of required documentation : A valid identity theft affidavit # XXXX A copy of my government-issued photo ID, Proof of current address, and Supporting documentation establishing a connection to a known data breach. 

Despite receiving these materials, Equifax did not block the fraudulent accounts from my file within the required XXXX business days, as stipulated under 605B ( a ) ( 1 ) ( A ). Instead, Equifax proceeded to verify the fraudulent accounts without disclosing the source of the information or providing any documentation to support the verification. This constitutes a violation of FCRA 611 ( a ) ( 6 ), which requires a reasonable reinvestigation and meaningful transparency. 

Equifax has neither provided written confirmation of any blocking action nor complied with its obligations under 605B ( b ). The lack of response and remedial action demonstrates clear disregard for both statutory duties and regulatory guidance, including the CFPBs XXXX XXXX on credit reporting practices. 

This conduct is not only inconsistent with federal law but also with legal precedent such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm consumer protections in the context of identity theft and inaccurate reporting. 

I respectfully request the CFPB to investigate Equifaxs non-compliance and ensure : 1. Immediate and permanent blocking of the identified fraudulent accounts, 2. A formal written confirmation of the blocking action, and 3. Assurance that no re-insertion of the fraudulent information will occur unless full compliance with 605B ( c ) and 611 ( a ) ( 5 ) is met.

Company response to consumer: Closed with non-monetary relief