Consumer complaint received 2025-08-11 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: MO

Complaint narrative:
This is my FOURTH and FINAL official complaint regarding Equifaxs systematic, willful, and ongoing violations of the Fair Credit Reporting Act ( FCRA ), Section 605B. I demand immediate enforcement action by the CFPB against Equifax Information Services LLC for their deliberate refusal to comply with federal law. 

CRITICAL LEGAL FACTS : I acknowledge that in my first complaint ( XX/XX/XXXX ) I mistakenly provided an expired identification document, which gave Equifax a formal basis for denial. However, this error was CORRECTED in my second complaint ( XX/XX/XXXX ), where I provided a complete and fully compliant package of documents, including : ( 1 ) a valid and current FTC Identity Theft Report, ( 2 ) a current government-issued ID, ( 3 ) proof of current address, and ( 4 ) a recent credit report showing fraudulent items.

EQUIFAXS ADMISSION OF GUILT : In response to my second complaint, Equifax PARTIALLY fulfilled the requirements by removing only ONE fraudulent record ( XXXX XX/XX/XXXX ), while leaving four others unchanged. This partial removal is an UNEQUIVOCAL ADMISSION that : ( XXXX ) my documents were valid and sufficient, ( 2 ) the disputed records were indeed fraudulent, ( 3 ) Equifax had the technical ability to remove all records, and ( 4 ) the refusal to remove the remaining records was a WILLFUL VIOLATION of FCRA Section 605B. 

REMAINING FRAUDULENT RECORDS ( STILL NOT REMOVED ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX SYSTEMATIC FCRA VIOLATIONS : WILLFUL VIOLATION of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) [ FCRA 605B ] : Equifax received the full identity theft documentation package on XX/XX/XXXX, and was required by law to block ALL disputed information within 4 business days ( by XX/XX/XXXX ). Instead of performing its direct duty under 605B, Equifax unlawfully conducted an investigation as if it were ordinary disputed information, which is a substitution of the statutory procedure. As of today, more than TWO MONTHS after the statutory deadline, four fraudulent records still remain unblocked. This constitutes willful noncompliance punishable by a fine of up to {$1000.00} per violation. 

VIOLATION of 15 U.S.C. 1681e ( b ) [ FCRA 607 ( a ) ] : By continuing to report data they know to be fraudulent ( as confirmed by partial deletion ), Equifax has failed to ensure maximum possible accuracy of the data.

VIOLATION of 15 U.S.C. 1681b [ FCRA 602 ( a ) ] : Equifaxs actions directly undermine the primary purpose of the FCRA to protect consumers from the consequences of identity theft.

PATTERN OF CORPORATE BAD FAITH : First complaint : used my technical error to completely evade responsibility. 
Second complaint : made false claims about illegible documents, then contradicted themselves by removing XXXX record. 
Third complaint : endless investigation without result. 
Current status : continued willful noncompliance despite clear legal obligations, with my complaints apparently processed not by a human but by an automated system operating under a minimal intervention algorithm. 

EVIDENCE OF WILLFUL VIOLATION : The partial removal of XXXX is irrefutable evidence of willful violation. Equifax can not simultaneously claim that documents are insufficient and use those same documents to selectively delete records. This demonstrates deliberate cherry-picking in violation of the law, which is a textbook example for statutory damages under 15 U.S.C. 1681n.

DIRECT DAMAGE : Equifaxs actions cause me real financial and reputational harm, limit my opportunities, and force me to spend personal time and resources to resolve issues that should be addressed by them under their direct legal obligations. This is not mere negligence this is a deliberate strategy of violating the law. 

I DEMAND IMMEDIATE CFPB ACTION : I demand that the CFPB immediately initiate enforcement action against Equifax for these systematic violations. Equifaxs actions represent a deliberate corporate policy of minimal compliance with the law to save costs at the expense of consumer rights. This scheme affects not only my case but potentially thousands of identity theft victims.

SPECIFIC DEMANDS : Immediate order requiring Equifax to block all remaining fraudulent records within 48 hours.

Impose civil penalties on Equifax for willful FCRA violations.

Investigate Equifaxs corporate policies regarding compliance with FCRA Section 605B. 
Public enforcement measures to prevent similar violations against other consumers. 

SUPPORTING EVIDENCE : The full identity theft documentation package has been provided repeatedly and is available for CFPB review. The mere fact of partial compliance by Equifax proves the validity of these documents.

CONCLUSION : This case represents a clear, unambiguous violation of federal law with irrefutable evidence of willful noncompliance. The partial deletion tactic used by Equifax has backfired, creating perfect evidence for enforcement measures. I demand that the CFPB use its full authority to ensure compliance with the law and demonstrate that systematic FCRA violations will not be tolerated. 

The time for corporate excuses and delays has expired. Federal law is not optional Equifax must be held accountable for its willful violations.

Company response to consumer: Closed with non-monetary relief