Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Supplemental Complaint Regarding Equifax Continued Obstruction, Conflicting Instructions, and Harm from Credit File Blocking. 
This is a supplemental communication to the formal complaint I submitted on [ insert date of original complaint, e.g., XX/XX/year> ] regarding Equifaxs unauthorized blocking of my credit report, failure to provide timely notice, and its demand for sensitive personal documentation to resolve an internal error. 

After submitting my complaint, I contacted Equifax again on XX/XX/year>, to follow up on the status of my credit file and ensure the block had been removed. To my dismay, the representative informed me that I must mail in physical documents, including my Social Security card, because mailing was more secure. 

This directly contradicts the instructions provided to me during my call the day prior, where I was told that I could upload my documents securely through Equifaxs online portalwhich I immediately did. Despite following their guidance and complying in good faith, Equifax is now refusing to honor its own process and continues to obstruct access to my credit file.

Ongoing Harm and Legal Violations As a result of this continued mishandling, I am now receiving higher interest rates and being denied access to financial products because lenders can not access my Equifax credit report. This is causing direct and measurable economic harm and is in violation of the Fair Credit Reporting Act ( FCRA ). Equifax is still in violation of the following provisions : 15 U.S.C. 1681b Equifax is unlawfully denying access to my report to third parties with a permissible purpose.

15 U.S.C. 1681c-1 & 1681c-2 There is no fraud alert or freeze authorized by me that justifies such a block.

15 U.S.C. 1681i ( a ) Equifax has failed to investigate and resolve the dispute regarding the access block in a timely and reasonable manner. 

Their demand that I re-send highly sensitive documents through the mail, despite already uploading them, exposes me to further identity theft risk and appears to be a stall tactic that serves no legitimate consumer protection purpose. 

Request for Further Action I am respectfully requesting that the CFPB : Demand that Equifax immediately unblock my credit file without requiring redundant or insecure submissions of sensitive personal documents ; Investigate Equifaxs conflicting communications, mismanagement, and potential deceptive practices under 12 U.S.C. 5531 ; Ensure that no future block or restriction is placed on my credit file without express written authorization and proper notice ; Initiate appropriate enforcement or supervisory action if Equifax is found to be in violation of the FCRA or CFPB regulations. 
This ongoing issue is not only burdensomeit is unlawful, deceptive, and causing measurable damage to my financial well-being. I look forward to your prompt response and a resolution to this matter.

Company response to consumer: Closed with explanation