Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX FTC Identity Theft Report No. : XXXX Driver License ID Attached Nature of Complaint I am a victim of identity theft. Despite providing Equifax with my FTC Identity Theft Report, government-issued identification, and supporting documentation, Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) and continues to unlawfully report fraudulent accounts.

The following fraudulent accounts must be blocked and permanently deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX  XXXXXXXX XXXX XXXX Fraudulent account XXXX XXXX Fraudulent auto loan, account no. XXXX, balance {$26000.00} Legal Violations by Equifax 1. Failure to Block Identity Theft Accounts Under FCRA 605B ( 15 U.S.C. 1681c-2 ), a CRA must block identity theft accounts within 4 business days upon receipt of an identity theft report. Equifax failed to comply.

2. Failure to Provide Method of Verification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires full disclosure of the method of verification, including the name, address, and telephone number of the furnisher contacted. Equifax failed to provide this.

3. Failure to Provide Complete Investigation Details FCRA 611 ( a ) ( 7 ) requires CRAs to provide a detailed description of procedures used in the reinvestigation. Equifax did not provide this information.

4. Failure to Ensure Maximum Possible Accuracy FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Reporting fraudulent accounts directly violates this duty.

5. Failure to Provide Securitization & Ownership Proof Equifax failed to provide any securitization details, forward flow agreements, or chain of title proving legal authority for XXXX  XXXX and XXXX XXXX  to furnish or report these accounts. 
6. Failure to Provide Original Signed Contracts No signed contract exists binding me to these accounts. Under FCRA 609 & 611, Equifax must provide documentation relied upon in the investigation. They failed.

7. Failure to Use Human Review As stated in my dispute notice, this case can not be resolved via e-OSCAR codes. FCRA 611 requires a manual investigation. Equifax unlawfully relied on automated responses instead of human review. 
8. Reinsertion Risk Reinsertion Without Proof is Illegal FCRA 611 ( a ) ( 5 ) ( B ) prohibits reinsertion of previously deleted information unless certified by the furnisher with proof of accuracy. Equifax must be barred from reinserting these accounts without valid documentary proof.

Relief Requested I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement action to compel Equifax to : 1. Permanently Block and Delete the fraudulent XXXX  XXXX and XXXX XXXX accounts under FCRA 605B.

2. Cease all Reinsertions of these accounts unless Equifax obtains and provides certified documentary proof of accuracy as required under 611 ( a ) ( 5 ) ( B ).

3. Provide full documentation of method of verification, investigation procedures, securitization details, and original signed contracts.

4. Ensure that this dispute receives manual human review, not automated e-OSCAR processing.

5. Impose statutory damages for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and actual damages under FCRA 617 ( 15 U.S.C. 1681o ) for
Equifaxs continued unlawful reporting, emotional distress, and harm caused.

Conclusion Equifax has willfully and negligently violated the FCRA, FDCPA, and consumer protection laws by refusing to block and delete fraudulent identity theft accounts despite clear statutory obligations and receipt of my FTC Identity Theft Report. 

I request the CFPB to order immediate and permanent deletion of these fraudulent accounts and hold Equifax accountable for noncompliance and damages.

Company response to consumer: Closed with non-monetary relief