Consumer complaint received 2025-03-09 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:
Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Subject : Complaint Against Credit Reporting Agencies for Failure to Remove Fraudulent Information Due to Identity Theft Description of the Issue : I am filing this complaint against credit reporting agencies for their failure to properly block and remove fraudulent information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft and multiple data breaches, including those involving XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and Experian ( XXXX ). As a result of these breaches, my personal information was compromised, leading to the opening of fraudulent accounts in my name. 

I have made multiple attempts to dispute and remove these fraudulent accounts from my credit report, yet the credit bureaus have not taken the necessary actions required by law. Additionally, I was informed by multiple representatives that I was unable to access my credit profile, further supporting my claim of identity theft. Despite my numerous requests, my personal information has not been updated, and the fraudulent accounts remain on my credit file. 

Violations of Federal Law : The credit reporting agencies have violated several consumer protection laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.


15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Requested Resolutions : I am formally requesting the following actions : Immediate Blocking and Removal of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2, all fraudulent accounts appearing on my credit report must be blocked and removed immediately.

Update Personal Information : My full legal name should appear as XXXX  XXXX  only.

All outdated and irrelevant addresses must be removed from my report. The only valid address should be : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Remove all phone numbers currently listed on my report. 

Remove my Social Security number and date of birth from display on my report for privacy reasons. 

Delete all employer information currently listed under the " Employer '' section. 

Provide Method of Verification : The credit bureaus must provide the method of verification used to validate the disputed accounts, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Security Freeze and Fraud Alert : I request that my credit file be placed under a security freeze and extended fraud alert to prevent further fraudulent activity.

Written Confirmation of Removal : I demand written confirmation once these fraudulent accounts, inquiries, and inaccuracies have been removed from my credit report. 

Supporting Documents Enclosed : Copy of my government-issued ID Copy of a recent utility bill ( proof of address ) FTC Identity Theft Report ( XXXX ) Police Report detailing identity theft

Company response to consumer: Closed with non-monetary relief