Consumer complaint received 2025-11-23 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: WA

Complaint narrative:
Equifax has repeatedly failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) and has mishandled every identity theft filing I submitted. Their conduct represents a pattern of noncompliance that is causing ongoing harm. 

My personal information was compromised due to stolen mail, unauthorized access to my online and financial accounts, and identity-related breaches. I submitted : An FTC Identity Theft Report ( twice ) A supplemental identity theft statement Government-issued ID Proof of address Written disputes Online disputes Multiple mailed requests for validation, statements, and signature proof Despite receiving all required documentation, Equifax has shown a systemic failure to follow federal identity theft procedures under FCRA 605B .

Equifax has : Failed to block identity-compromised accounts under 605B Wrongfully treated identity theft filings as standard disputes Relied on unsupported certifications from furnishers who provided zero documentation Ignored every mailed and online request for statements, proof of charges, or signature verification Continued to report accounts included in my FTC Identity Theft Report Reinserted information without the required notice under 611 ( a ) ( 5 ) ( B ) Failed to conduct a reasonable reinvestigation under 611 Allowed furnishers to violate 623 ( a ) ( 3 ) and 623 ( b ) Reported contradictory information compared to other credit bureaus Not one furnisherXXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other company involvedhas provided any documentation or evidence to support these accounts. Their certifications are legally insufficient. Equifax accepting those unsupported certifications demonstrates a knowing disregard of statutory obligations. 

I am no longer requesting validation, as Equifax and the furnishers have been given more than enough opportunities to comply and failed to provide a single document. 

Additionally, Equifax is reporting duplicate XXXX XXXX accounts, including one falsely claiming I have had the account for nearly 10 years. I do not recognize these accounts. I have never had multiple XXXX XXXX XXXX  and the dates, balances, and histories being reported are inconsistent, duplicative, and inaccurate. The existence of duplicate, conflicting tradelines violates FCRA 607 ( b ) and further proves that Equifax is reporting compromised and inaccurate information. 

Other credit bureaus have already removed several of these accounts based on the same documentation, proving the information is compromised and that Equifax is refusing to follow the law. 

I have already filed a complaint with the Washington State Attorney General, who has initiated communication with the companies involved. Equifaxs continued mishandling of identity theft filings, improper reinsertion of information, and reliance on unsupported certifications leaves me no choice but to escalate this further. 

If Equifax continues this pattern of noncompliance, I am prepared to pursue additional regulatory escalation and, if necessary, civil action for willful and negligent violations under FCRA 616 and 617.

Company response to consumer: Closed with explanation