Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Since at least XXXX, I have been disputing multiple fraudulent and XXXXrelated accounts and inquiries on my Equifax credit report, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, as well as an unauthorized inquiry, and requesting removal of an unwanted fraud alert. I am a documented victim of identity theft, XXXX XXXX, and the XXXX Equifax data breach, and I have provided Equifax with extensive documentation many times ( police reports, FTC Identity Theft Report, XXXX XXXX determinations and selfattestation, government ID, proof of address, and prior CFPB/AG complaints ). 

Despite this, Equifax has repeatedly verified the disputed tradelines and inquiries without correcting or deleting them. In some cases, Equifax deleted accounts and then reinserted them within about a week, but I never received the written reinsertion notices required by FCRA 611 ( a ) ( 5 ) ( B ). When I call their fraud and XXXX XXXX  departments, I am told that my documents are invalid or that my cases are closed and I must start over, but no one can explain what is supposedly missing, which agency or creditor they contacted, or what those parties said. Agents have hung up on me, refused to escalate to supervisors, and repeatedly directed me to resubmit the same documents that are already in their system. 

I have submitted disputes online, by mail ( including certified mail with tracking ), and through prior CFPB complaints. Other credit bureaus ( such as XXXX and XXXX ) have accepted the same documentation and corrected my report, but Equifax continues to report fraudulent and traffickingrelated accounts and an unwanted fraud alert, and to send template denial letters instead of conducting a real investigation. This has caused severe harm, including loss of housing and credit opportunities, and I am asking the CFPB to require Equifax to properly investigate, block/delete all qualifying information, and comply with all FCRA and Regulation V requirements. 

In addition to the facts above, Equifaxs conduct violates multiple provisions of federal law, including the Fair Credit Reporting Act ( FCRA ) and Regulation V. Under FCRA 605B, 605C, and 611, and 12 C.F.R. 1022.142, Equifax is required to block or delete information resulting from identity theft and XXXX XXXX when presented with legally sufficient documentation, to conduct reasonable reinvestigations, and to provide proper reinsertion notices when previously deleted information is placed back on a report. Equifax has failed to meet these obligations and has instead engaged in a pattern of willful noncompliance and unfair, deceptive, and abusive acts and practices ( UDAAP ) under 12 U.S.C. 5531 and 5536. I am already in active litigation with Equifax, and if this matter is not fully corrected within 30 daysincluding permanent deletion/blocking of the disputed items, removal of improper fraud alerts, and full written explanations consistent with federal lawI will forward this complaint record, all supporting documentation, and Equifaxs response or nonresponse to my attorney for inclusion in ongoing and future claims in federal court, including claims for actual, statutory, and punitive damages, as well as attorneys fees and any other relief available under FCRA, UDAAP, and applicable state law.

Company response to consumer: Closed with non-monetary relief