Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Re : Equifax Information Services, LLC Equifax has repeatedly violated federal law and failed to comply with the Fair Credit Reporting Act ( FCRA ) through the following actions : 1. Unauthorized Fraud Alert : Equifax added an initial fraud alert to my credit file without my request, consent, or authorization.

2. Contradictory Communications : Equifax issued conflicting communications one letter dated XX/XX/XXXX, stating We have added an initial fraud alert, and a subsequent card claiming We received your request to add an initial fraud alert. These two statements can not both be true.

3. Failure to Provide Required Disclosures : Equifax failed to provide the disclosures required under the FCRA, including the legally mandated Summary of Rights and the Method of Verification ( MOV ) for previously disputed information. 
XXXX. Unauthorized Disputes : Equifax launched multiple unauthorized disputes in my name between XX/XX/XXXX, and XX/XX/XXXX, despite my repeated instructions to cease. These actions were taken without my knowledge or consent. 
XXXX. Delayed and Misleading Correspondence : Equifax mailed letters and notices dated weeks before actual delivery, creating confusion and hindering my ability to respond in a timely manner. 

These actions together constitute false record entries, deceptive correspondence, and procedural manipulation in violation of FCRA 607 ( b ), 609 ( a ), 611 ( a ), and the FTC Acts prohibitions on deceptive practices. 


XX/XX/XXXX : I submitted a legitimate dispute regarding the XXXX XXXX  tradeline. The response was returned the same day, and no corrections were made to my file. 
XX/XX/XXXX, and XXXX, XXXX : I submitted additional disputes due to continued inaccuracies. The XX/XX/XXXX dispute was mailed ( tracking number XXXX ). 
Equifax launched a new dispute on XX/XX/XXXX, while both the XX/XX/XXXX and XX/XX/XXXX disputes show same-day turnaround, and the XX/XX/XXXX dispute reflects a four-day response time. ( All documents attached. ) XX/XX/XXXX : I submitted a certified Method of Verification ( MOV ) request under 15 U.S.C. 1681i ( a ) ( XXXX ). ( Attached proof shows Equifax received it on XX/XX/XXXX. XXXX XXXX XXXX XXXX : Rather than comply with the XXXX  request, Equifax launched new unauthorized disputes in my name on XX/XX/XXXX, and XXXX misclassifying my lawful XXXX  request as consumer disputes. 
These dates correspond directly to XXXX receipt of my MOV ( XX/XX/XXXX ) and my CFPB filings ( XX/XX/XXXX ). 
Despite multiple CFPB complaints and written notices asking Equifax to stop, the unauthorized disputes continued. 
To date, I have a total of XXXX unauthorized disputes, the most recent dated XX/XX/XXXX. 
I have never authorized these actions. At this point, I am uncertain what Equifax continues to dispute, as the XXXX XXXX  account the only tradeline related to my original inquiry was deleted on or before XX/XX/XXXX, as reflected in my credit file. 
XX/XX/XXXX : Equifax mailed a letter stating We have added an initial fraud alert. This was done without my authorization or any legitimate fraud filing on record. 
Following days : I received an undated card claiming We received your request to add an initial one-year fraud alert, falsely implying that I authorized it. 
XX/XX/XXXX and XXXX, XXXX : Equifax mailed additional correspondence enclosing CFPB Identity Theft Rights materials, suggesting I was a victim of fraud or identity theft. 
This is entirely false. I have never claimed to be a victim of fraud or identity theft, nor have I ever filed a police report, notarized an FTC affidavit, or FTC complaint indicating such. My complaints have been consistent. And all XXXX would reflect my stance. I have filed XXXX complaints with the CFPB thus far and not XXXX of the complaints indicate fraud or identity theft. My complaints do include my clear statement against any claims of identity theft or fraud. 
Under the Fair Credit Reporting Act : FCRA 609 ( a ) ( 1 ) ( 2 ) : Grants me the right to obtain full disclosure of all information in my credit file and the sources of that information.

FCRA 611 ( a ) ( 7 ) : Entitles me to a written Method of Verification ( MOV ) after a dispute investigation is completed.

FCRA 607 ( b ) : Requires Equifax to maintain the maximum possible accuracy of consumer file information and ensure all entries are verifiable and authorized.

FCRA 623 ( b ) ( 1 ) : Mandates that furnishers and credit reporting agencies promptly correct or delete any inaccurate or unverifiable information.

Equifaxs conduct including the creation of false identity-
theft indicators, launching of unauthorized disputes, and failure to verify consumer authorization- constitutes willful and negligent noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with explanation