Consumer complaint received 2025-10-15 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 Demand to Block and Delete Fraudulent Accounts and Collections Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This correspondence serves as both a formal request under the Fair Credit Reporting Act ( FCRA ) 605B and an official response to the results provided by Equifax regarding my CFPB complaint filed on XX/XX/XXXX. I am submitting this formal Identity Theft Dispute and Block Request under FCRA 605B, requiring the removal or blocking of information that is the result of identity theft. Enclosed is my FTC Identity Theft Report # XXXX documenting multiple fraudulent accounts and unauthorized inquiries that must be blocked from my consumer credit file within four ( 4 ) business days of your receipt of this letter. I did not authorize, open, or initiate the following accounts or inquiries these are the result of identity theft and fraud : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Additionally, multiple unauthorized inquiries were made by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a CFPB complaint concerning these fraudulent accounts. In response, Equifax stated the following : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed : Trade : XXXX XXXX XXXX XXXX Verified that this item belongs to you ; XXXX XXXX XXXX Verified that this item belongs to you ; XXXX XXXX XXXX XXXX; XXXX XXXX XXXX XXXX Verified that this item belongs to you ; XXXXXXXX XXXX XXXX XXXX XXXX Verified that this item belongs to you ; XXXX XXXX XXXX XXXX XXXX that this item belongs to you ; XXXX XXXX XXXX. Verified that this item belongs to you. They responded and verified that the remaining disputed information was accurate as reported While I acknowledge receipt of this response, it is noncompliant with the FCRA 605B identity theft block procedure. The FCRA clearly distinguishes between : A reinvestigation under 611, and A fraud block under 605B. Despite this, the FTC Identity Theft Report and accompanying documentation prove that these verified accounts were fraudulently opened. Under FCRA 605B, once an identity theft report is submitted, the consumer reporting agency must block the reporting of such information within four ( 4 ) business days, regardless of prior verification results under 611. Because I have submitted a valid FTC Identity Theft Report and the required identity documentation, the proper legal procedure is blocking, not merely reinvestigating or contacting furnishers through E-Oscar or other automated systems. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), you must maintain reasonable procedures to assure maximum possible accuracy of the information on file. I hereby do not consent to the use of automated dispute systems such as E-Oscar, XXXX, or outsourced agencies like XXXX, XXXX, or XXXX XXXX. These methods do not meet the statutory standard for a reasonable investigation or proper identity theft verification. Only original documentation bearing my signature or other authenticated evidence can constitute verification under federal law. If you do not possess such proof, the accounts must be deleted as unverifiable immediately. 


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Company response to consumer: Closed with non-monetary relief