Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal complaint regarding the presence of fraudulent accounts on my credit report, specifically XXXX XXXX  XXXX ( Account Number : XXXX ), and the inquiries XXXX XXXX XXXX  XXXX among others, which were opened without my authorization or consent. Additionally, I bring to your attention the improper reinsertion of this account after its removal, without providing the statutorily required written notice at least five days prior, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

This egregious failure to comply with the reinsertion notification requirement, coupled with discrepancies in the accounts ( including inaccurate open dates, credit limits, and last active dates ), reflects gross non-compliance with federal and state consumer protection laws. Furthermore, the creditors and credit reporting agencies involved failed to validate the alleged debts or provide sufficient documentation as required under the law.

I assert that the handling of this matter violates multiple provisions of federal and state laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Mandates accurate credit reporting, proper dispute resolution, and prior notification for reinsertion of disputed accounts.

15 U.S.C. 1681g ( e ) : Requires blocking fraudulent accounts upon receipt of supporting documentation.

15 U.S.C. 1681s-2 ( b ) : Imposes an obligation on furnishers to conduct a reasonable investigation of disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : Requires timely written notice and validation of debts.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 : Prohibits identity theft and related fraudulent activities.

Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. No. 108-159 : Provides for the removal of fraudulent accounts and enforcement of fraud alerts.

Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 : Requires creditors to ensure adequate protection of consumer data.

State of Florida Identity Theft Law, F.S. 817.568 : Offers statutory remedies and protections against identity theft.

To substantiate this complaint, I have attached the following documentation : A copy of my government-issued identification My Social Security card Proof of my address A police report detailing the fraudulent activity Relief Sought Pursuant to the aforementioned laws, I respectfully demand the following : Immediate removal and permanent blocking of all fraudulent accounts from my credit report, including XXXX XXXX  XXXX ( Account Number : XXXX ). 
Written confirmation detailing the actions taken in response to this complaint. 
A comprehensive investigation into the violations outlined above. 
Appropriate enforcement actions, including penalties, against any parties found in violation of applicable laws. 
This matter requires urgent attention to prevent further harm and ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide regular updates regarding the status of your investigation. 

Thank you for your prompt attention to this matter. I trust that the CFPB will uphold its mandate to protect consumers from such egregious violations of their rights. 

Sincerely,

Company response to consumer: Closed with non-monetary relief