Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX Loop XXXX # XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB XXXX Subject : Complaint Against Equifax Failure to Properly Investigate Identity Theft Claim Dear CFPB, I am filing this formal complaint against Equifax Information Services LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal privacy laws in relation to my documented claim of identity theft. 
On XX/XX/XXXX, I submitted a notarized Identity Theft Affidavit, a formal dispute under the FCRA, and a request for deletion of two fraudulent accounts from my Equifax credit report. I included : A police report filed with my local authorities An official FTC Identity Theft Report A copy of a phone bill verifying my identity and address A detailed list of the fraudulent accounts ( XXXX XXXX XXXX XXXX ) Despite this, when I called Equifax, I was told by Supervisor XXXX ( ID : XXXX ) that all of my submitted documentation was invalid. No explanation, written notice, or rationale was given, in direct violation of several federal consumer protection laws. This is both unlawful and an obstruction of my legal rights as an identity theft victim.

The following federal laws were violated : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) A credit bureau must conduct a reasonable reinvestigation within 30 days of receiving a dispute from the consumer. Equifax has failed to do so, instead dismissing my valid documentation outright.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If Equifax finds the dispute frivolous or irrelevant, it must notify the consumer in writing within XXXX business days, outlining what information is required. 
No such notice was given. 
3. 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) Upon receiving a police report and FTC Identity Theft Report, a credit bureau is required to block the fraudulent information within 4 business days. Equifax has not complied.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) No one shall furnish information known to be inaccurate. I have formally disputed the fraudulent XXXX accounts, and Equifax is obligated to investigate and prevent false data dissemination.

5. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 I included an opt-out demand to prevent the sharing of my nonpublic personal information with third parties, which Equifax has failed to acknowledge.

6. 15 U.S.C. 1681g & 1681h I requested Equifax to disclose the method of verification for these fraudulent accounts. They have failed to provide such disclosure. 
Summary of Harm : Emotional and reputational distress from being denied due process despite valid identity theft documentation. 
Ongoing risk of financial harm due to Equifax 's refusal to block or remove fraudulent accounts. 

Unlawful dismissal of my rights under multiple federal statutes. 
Requested Resolution : 1. 2. 3. 4. 5. Immediately require Equifax to delete the two fraudulent XXXX XXXX XXXX accounts from my credit report. 
XXXXquire Equifax to provide a written explanation for why my documentation was rejected and what criteria they use to deem identity theft claims invalid. 
Order Equifax to comply with FCRA 1681c-2 and block all disputed items immediately.

Enforce Equifaxs obligation to acknowledge my GLBA opt-out rights.

Apply applicable penalties for Equifaxs negligence and noncompliance under FCRA. 
Attached : Original identity theft letter sent to Equifax Police report XXXX FTC Identity Theft Report # XXXX Phone bill verifying identity Record of Equifax call with Supervisor XXXX # XXXX Thank you for investigating this matter. I respectfully request the CFPBs intervention to ensure Equifax complies with the law and protects consumers from further harm. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief