Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding Equifaxs repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and state laws concerning consumer identity theft protections. 

On XX/XX/year>, I submitted a formal dispute regarding inaccurate and fraudulent accounts appearing on my Equifax credit report, stemming from identity theft. This dispute was assigned Confirmation Number # XXXX. Shockingly, this dispute was marked as completed by Equifax in only 3 days, closed on XX/XX/year>, without proper verification, thorough investigation, or providing validation of debt from the data furnishers a direct violation of the FCRA. 

I have also submitted another dispute currently open under Confirmation Number # XXXX, filed on XX/XX/year>. Despite providing detailed FTC identity theft reports and supporting documentation, Equifax continues to disregard my federal rights and has failed to block or remove fraudulent accounts from my credit profile. 

Violations of Federal Law ( FCRA ) Under 15 U.S. Code 1681i, when a consumer disputes information on their credit report, the credit reporting agency must : Conduct a reasonable reinvestigation within 30 days. 
Provide written results and, if information is found to be inaccurate, promptly delete or correct it. 
If identity theft is claimed and the consumer provides an FTC Identity Theft Report and police report ( under 15 U.S. Code 1681c-2 ), the credit bureau must block fraudulent information within XXXX business days. 

Equifax has failed to do any of the above. Closing a dispute in less than XXXX business days without contacting the furnisher or verifying documentation does not meet the standard of a reasonable investigation and is non-compliant with the FCRA. 

Violations of State Law Under many state-specific identity theft protection laws ( such as those modeled on the Uniform Credit Reporting Act ), Equifax is also required to : Block or remove fraudulent accounts from the consumers file within XXXX business days upon receipt of an identity theft report. 
Provide written verification or debt validation if the accounts are allegedly owed by the consumer. 

Equifax has failed to provide any validation or communication from the furnishers tying these fraudulent accounts to me. These accounts should have been deleted months ago based on the documentation provided. 

Legal Action and Escalation Due to these ongoing violations and failure to fulfill your legal obligations under the FCRA and state law, I am preparing to escalate this matter by : Filing a formal complaint with the Better Business Bureau ( BBB ). 
Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Contacting the XXXX Attorney XXXX XXXX. 
Filing a civil suit in my XXXX XXXX XXXX under 15 U.S. Code 1681n and 1681o, which provide for statutory damages, punitive damages, and attorneys fees in cases of willful or negligent noncompliance. 

Please consider this your final opportunity to properly investigate the fraudulent accounts and remove them in accordance with federal and state law. If I do not receive written confirmation of deletion within XXXX ( XXXX ) business days, I will proceed with the above actions without further notice. FTC reports have been sent to Equifax several times and a Equifax XXXX advised they dont see the attached documents from CFPB XXXX I also sent them via certified mail with tracking. Last CFPB complaint # XXXX didnt list the below accounts. 

Fraudulent Accounts - XXXX. XXXX XXXX Bank - Account # XXXX XXXX {$720.00} XXXX. XXXX Financial - Account # XXXX XXXX {$30000.00} / {$16000.00} / {$2100.00} / {$4000.00} XXXX. XXXX Financial Account # XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation