Consumer complaint received 2025-05-24 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:
I hereby formally demand that Equifax Information Services, LLC implement a TRAFFIC BLOCK of all fraudulent, unauthorized, and unverifiable accounts and personal identifiers on my credit report within 4 business days of this notice, as required by FCRA 605B / 15 U.S.C. 1681c-2.

Under the law, once a consumer provides evidence of identity theft or fraud and disputes information related to it, the CRA ( Equifax ) is required by statute to block the information from the consumer file within 4 business days.

This request includes, but is not limited to : ACCOUNTS & DATA TO BE BLOCKED IMMEDIATELY : 1. XXXX XXXX Account # XXXX Tied to an address Ive never lived at or authorized No application made by me Falsely reporting a charge-off and inflated balance Reporting discrepancies across bureaus Violates FCRA 1681c-2, 1681i, 1681e ( b ) REQUESTED ACTION : Traffic block under FCRA 605B, permanent deletion, and disclosure of the furnishers full investigation file.

2. All Hard Inquiries Without Permissible Purpose Including : Lenders and creditors for which no application or authorization exists Entities that failed to provide required disclosures under FCRA 1681m Inquiries tied to nonexistent accounts or fabricated credit pulls REQUESTED ACTION : Remove all unauthorized inquiries and provide : Permissible purpose documentation Copy of application or consumer-initiated transaction Identity of data furnisher and method of verification If no such documentation exists, you are required to block the inquiries immediately as per FCRA 1681b and 1681c-2.

LEGAL BASIS FOR TRAFFIC BLOCK As per 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the receipt by such agency of : 1. Proof of identity of the consumer, 2. A copy of an identity theft report, 3. The identification of such information by the consumer, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.

You have now received : My formal written dispute Clear identification of fraudulent and unverifiable information Repeated notice of lack of permissible purpose and identity mismatch Thus, I am invoking my legal right to demand a block under FCRA 605B, effective immediately.

FAILURE TO COMPLY = LITIGATION + ARBITRATION + MEDIA If you fail to honor this Traffic Block Request within the federally mandated timeline, I will : File a formal lawsuit and/or federal arbitration claim against Equifax Seek statutory damages under FCRA 1681n and 1681o Provide evidence to the FTC, State Attorney General, and CFPB Enforcement Division Submit documentation to media outlets and public consumer watchdogs

Company response to consumer: Closed with explanation