Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
Dear Equifax, Im aware of your lawsuit with the CFPB and your duty as a Credit Reporting Agency and your neglectance of the FCRA Laws when it comes to instructing a thorough investigation on a consumer disputes request! Im writing to you today to inform you of your Violation Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

15 U.S. Code 16815-2 ( a ) DUTY OF FU
RNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) The information is, in fact, inaccurate.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind. 

On XX/XX/XXXX I recently notified you of Fraudulent accounts reporting on my Consumer report that I challenged in the past for reporting unlawful fraudulent information due to me becoming a victim of identity theft and having my identity compromised. In pursuant to the FCRA Section 605b I demanded that these accounts be removed and blocked. I provided my Identity theft report from the Fair Trade Commission as well as a letter pointing out the details revolving around these fraudulent accounts and the account numbers to provide a higher efficiency of accuracy when pursuing the removal of the accounts. In addition I provided my passport as a proof of my identity as well as a sworn statement under oath that was notarized swearing that all the information provided under testimony was sworn to be true. After sending these documents through certified mail you received these documents and signed for them on XX/XX/XXXX at XXXX the signature of the advocate was XXXX XXXXXXXX XXXX after looking over the documents you complied with the request and the fraudulent accounts were deleted off my Credit Report pursuant of FCRA Section 605b. After obtaining my latest Credit Report on XX/XX/XXXX, I noticed that you have allowed the following data Furnisher to reinsert the fraudulent accounts back on my consumer report : REINSERTED FRAUDULENT ACCOUNTS ASSOCIATED ACCOUNT NUMBERS AMOUNT STATUS XXXX XXXX XXXX {$360.00} XXXX XXXX XXXXXXXX XXXX {$740.00} CLOSED XXXX XXXX XXXXXXXX {$490.00} CLOSED On XXXX XXXX I received a correspondence letter with the confirmation # XXXX. Pertaining to the details on the letter it addressed the fraudulent accounts at question was removed and blocked due to these fraudulent accounts being opened as a result of fraud. After obtaining my latest consumer Report I noticed where these fraud accounts were later reinserted, leading me to conclude you are knowingly violating the law with reporting this account as accurate which is a clear violation of my rights as a consumer as well as FCRA Laws. The removal of the fraudulent accounts and inquiries and blocking of this fraudulent information due to these fraudulent accounts being a result of fraud. After obtaining my latest consumer Report I noticed where these fraud accounts were later reinserted, leading me to conclude you are knowingly violating the law with reporting this account as accurate which is a clear violation. You have been put on notice for violating my rights as a consumer as well as the FCRA 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 15 U.S. Code 16815-2 ( a ) DU
TY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( il ) The information is, in fact, inaccurate. I Demand that you Remove and Block the above accounts as well as the following accounts listed below for Fraud : XXXX XXXX {$1600.00} CLOSED XXXX XXXX XXXX {$460.00} Charge-OFF XXXXXXXX XXXX XXXX {$0.00} CLOSED XXXX XXXX Not Reporting CLOSED XXXX XXXX XXXX XXXX {$21000.00} CLOSED XXXX XXXX XXXX  XXXX XXXX {$14000.00} ACTIVE : XXXX I have attached proof of your letters to show the deleted items in question as well as the Fair Trade Commission identity theft Report, A Police Report from my county as well as the Receipts from the USPS showing the delivery date of the original documents inclusively with my Notarize sworn statement document under testimony. You have fifteen days from the date this letter is received to remove and block all the reference accounts off my consumer report. Failure to comply with my request will result in legal action being taken against you in the court of law. Please govern yourself accordingly. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief