Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
am submitting this formal complaint against Equifax Information Services, LLC for knowingly and repeatedly violating the Fair Credit Reporting Act ( FCRA ) through their refusal to comply with mandatory identity theft protections. 
Despite being properly notified multiple times via FTC Identity Theft Reports, sworn affidavits, direct disputes, CFPB complaints, and documentary evidence, Equifax has refused to block fraudulent accounts, addresses, employers, and unauthorized inquiries from my credit file, causing substantial financial, reputational, and emotional damages. 
Their actions reflect gross negligence, a pattern of willful misconduct, and deliberate noncompliance with federal law.

I am prepared to initiate a civil lawsuit under FCRA 616 and 617 against Equifax unless immediate corrective action and monetary compensation are provided. 



Summary of Fraudulent Information Equifax Failed to Block : Fraudulent XXXX  XXXX XXXX credit card account Fraudulent XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account Fraudulent hard inquiries from : XXXX XXXX  Consolidated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ) Fraudulent XXXX, TX address and false employer information Equifax Was Properly Notified and Refused to Act : I provided Equifax with XXXX Multiple FTC Identity Theft Reports ( XXXX ) Government-issued ID and proof of address Checking account fraud reports Notice of data breach from XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX, confirming exposure of my sensitive information Direct disputes citing FCRA 605B Prior CFPB complaints, including : Complaint # XXXX ( submitted XX/XX/XXXX ) Complaint # XXXX ( submitted XX/XX/XXXX ) Complaint # XXXX ( submitted XX/XX/XXXX ) In each instance, Equifax acknowledged receipt of these documents, as evidenced by CFPB case records and attached correspondence. 

Yet Equifax, in their XX/XX/XXXX response letter, unlawfully refused to block the fraudulent information, attempting to shift responsibility to third parties instead of complying with their mandatory FCRA duties.

Violations of Law by Equifax : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires Equifax to block reporting of information alleged to result from identity theft within XXXX business days of receiving proper documentation. 
Equifax failed to block, delayed action improperly, and knowingly continued reporting fraudulent data.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit bureaus to conduct a reasonable reinvestigation of disputed items. Equifax conducted no meaningful reinvestigation despite overwhelming evidence.

3. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Requires bureaus to provide records related to fraudulent accounts. Equifax did not fulfill this obligation.

4. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits reporting of fraudulent information once a consumer notifies a bureau with proper evidence. Equifax knowingly continued furnishing fraudulent information.

5. Willful Noncompliance under FCRA 616 and Negligent Noncompliance under FCRA 617 : Entitles the consumer to actual damages, punitive damages, statutory damages, attorneys fees, and costs.

Prior Regulatory Actions Against Equifax : Equifax is a repeat offender : CFPB Enforcement Action ( XXXX ) : Fined {$570.00} XXXX for mishandling consumer data in the XXXX Equifax data breach.

CFPB Supervision Reports ( XXXX and XXXX ) : Cited Equifax again for failing to correct inaccurate information and mishandling disputes even after regulatory intervention. 

Their misconduct in my case reflects the same systemic disregard for consumer protection laws.

Notice of Pending Civil Action : If Equifax fails to immediately and fully comply by correcting my credit file and compensating for damages incurred, I reserve my right to initiate a civil lawsuit in U.S. District Court pursuant to FCRA 616 and 617, seeking actual damages, punitive damages, costs, and attorneys fees.

Company response to consumer: Closed with explanation