Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Identity Theft Report Number : XXXX Subject : Equifaxs Failure to Provide Access to Credit Report & Request to Block Fraudulent Information Due to Identity Theft Dear CFPB Representative, I am filing this complaint against Equifax for failing to provide me access to my credit report and for their continued noncompliance with federal consumer protection laws regarding identity theft and credit report accuracy. This complaint also addresses XXXX and XXXX refusal to properly update or delete inaccurate personal information and fraudulent accounts from my credit report. 

Failure to Provide Access to Credit Report Prior to last week, I attempted multiple times to access my credit profile through Equifax, but I was informed by their representatives that I was unable to do so. This denial of access directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. XXXX failure to allow me to review my own credit report is a direct violation of my rights under : 15 U.S.C. 1681g ( a ) Right to obtain a copy of the consumer file.

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

Failure to Update Personal Information & Remove Fraudulent Data Despite multiple requests, my personal information has not been updated as required by law. The continued inaction of Equifax, XXXX, and XXXX constitutes a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Obligation to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty of data furnishers to ensure maximum possible accuracy. 

I demand the following corrections to my credit report : XXXX XXXX Update : My report should reflect my full legal name as XXXX XXXX only. 

Address Correction : The only valid address that should be listed on my report is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All outdated and irrelevant addresses must be removed. 

Phone Number Removal : Delete all phone numbers currently listed in my report. 

Social Security Number & Date of Birth : For privacy and security reasons, my Social Security number and date of birth should not be displayed on my credit report. 

Employer Information Removal : All employer-related data must be deleted. 

Impact of Data Breaches & Identity Theft I was a victim of multiple data breaches, including : XXXX XXXX XXXX  Breach : Led to fraudulent accounts being opened in my name. 

Equifax XXXX ( XXXX ) : Exposed XXXX XXXX Social Security numbers, DOBs, and addresses. 

XXXX XXXX ( XXXX ) : Leaked XXXX XXXX customer records, including passport numbers. 

XXXX XXXX ( XXXX ) : Exposed millions of Social Security numbers and credit histories. 

Due to these breaches, fraudulent accounts have been opened in my name. The credit bureaus have failed to place adequate fraud alerts or remove unauthorized accounts despite my repeated requests. 

Failure to Provide Method of Verification Each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

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

Disputed Accounts & Inconsistencies There are multiple inconsistencies between my reports from XXXX, XXXX, and Equifax. These discrepancies suggest either identity theft or errors in reporting that must be corrected immediately. 

Requested Actions

Company response to consumer: Closed with non-monetary relief