{"took":125,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":641,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2244203","_score":20.672098,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been submitting my complaints to Equifax with my police report and notarized Identity theft affidavit for 2 years now and they refuse to remove this account. XXXX and XXXX have removed it. Equifax ignores my dispute.","date_sent_to_company":"2016-12-09T16:01:15.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33155","tags":null,"has_narrative":true,"complaint_id":"2244203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-12-09T16:01:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I have been submitting my <em>complaints</em> to <em>Equifax</em> with my police report and notarized <em>Identity</em> <em>theft</em> affidavit for 2 years now and they <em>refuse</em> to <em>remove</em> this <em>account</em>. XXXX and XXXX have <em>removed</em> it. <em>Equifax</em> ignores my dispute."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.672098,"2244203"]},{"_index":"complaint-public-v1","_id":"4087632","_score":20.11393,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. \nEquifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. \nAll of the companies in this complaint have been sent notices from me as well as identity theft reports.","date_sent_to_company":"2021-01-23T06:29:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35226","tags":null,"has_narrative":true,"complaint_id":"4087632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-23T00:52:21.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have filed multiple disputes with <em>Equifax</em>, XXXX  and XXXX  regarding <em>accounts</em> that were opened without my knowledge that I do not recognize. These <em>accounts</em> continue to show on my report after over a year of sending police reports and filing ID <em>theft</em> reports. These <em>accounts</em> have various dates. \n<em>Equifax</em> has <em>refused</em> to <em>remove</em> all of the <em>accounts</em> listed in this <em>complaint</em> even after I have filed 3 <em>identity</em> <em>theft</em> packets. Sent them police reports and contacted them on several occasions."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.11393,"4087632"]},{"_index":"complaint-public-v1","_id":"3305811","_score":19.962523,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I sent a dispute letter to Equifax and requested them to remove three fraudulent accounts due to identity theft. I also sent them my police report including my FTC complaint and all my required ID documents. Equifax refuses to remove these fraudulent accounts even though they are required to do so.","date_sent_to_company":"2019-07-14T05:52:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91304","tags":null,"has_narrative":true,"complaint_id":"3305811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-14T01:36:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/2019, I sent a dispute letter to <em>Equifax</em> and requested them to <em>remove</em> three fraudulent <em>accounts</em> due to <em>identity</em> <em>theft</em>. I also sent them my police report including my FTC <em>complaint</em> and all my required ID documents. <em>Equifax</em> <em>refuses</em> to <em>remove</em> these fraudulent <em>accounts</em> even though they are required to do so."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.962523,"3305811"]},{"_index":"complaint-public-v1","_id":"4718423","_score":19.918402,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX let a thief open an account using identity theft. My identity was stolen. XXXX and Equifax are REFUSING to remove fraudulent information. I am updating my complaint. I am proving BOTH an FTC Identity Theft Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING IDENTITY THIEVES AND FOLLOW FEDERAL LAW. Thank you.","date_sent_to_company":"2021-09-14T17:18:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"59718","tags":"Servicemember","has_narrative":true,"complaint_id":"4718423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-14T17:18:41.000Z","state":"MT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX let a thief open an <em>account</em> using <em>identity</em> <em>theft</em>. My <em>identity</em> was stolen. XXXX and <em>Equifax</em> are <em>REFUSING</em> to <em>remove</em> fraudulent information. I am updating my <em>complaint</em>. I am proving BOTH an FTC <em>Identity</em> <em>Theft</em> Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING <em>IDENTITY</em> THIEVES AND FOLLOW FEDERAL LAW. Thank you."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.918402,"4718423"]},{"_index":"complaint-public-v1","_id":"9992462","_score":19.80583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Equifax has refused to promptly remove these fraudulent accounts. I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are a result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.","date_sent_to_company":"2024-09-02T17:07:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60641","tags":null,"has_narrative":true,"complaint_id":"9992462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-02T16:36:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This CFPB <em>complaint</em> has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that <em>Equifax</em>, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of <em>identity</em> <em>theft</em>, such as an FTC <em>Identity</em> <em>Theft</em> Report, must block the reporting of information that the consumer identifies as resulting from <em>identity</em> <em>theft</em> within four business days. <em>Equifax</em> has <em>refused</em> to promptly <em>remove</em> these fraudulent <em>accounts</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.80583,"9992462"]},{"_index":"complaint-public-v1","_id":"14152022","_score":19.78829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent : Equifax Refusing to Block and Delete Fraudulent Items Request for Assistance I am extremely frustrated. I just got off the phone with Equifax again. I am a verified victim of identity theft and there are fraudulent accounts on my credit report that do not belong to me. Despite fully complying with the law and submitting all required documentation, Equifax is refusing to comply with the FCRA 1681c-2, which mandates that identity theft-related items be blocked and deleted within 4 business days of receiving proof.\n\nThe other credit bureaus have removed these accounts. Equifax, however, continues to report them in violation of federal law. I have attached proof of mailing my documentation via certified mail, including : FTC Identity Theft Report CFPB complaint confirmations W-2 and drivers license Proof of residence Certified letters clearly listing the accounts to be removed I can not reach a supervisor at Equifax, and I am being denied the legal protection I am entitled to. Please help me escalate this issue and enforce my rights under the law.\n\nSee attached for full documentation. \n\nThank you, XXXX XXXX","date_sent_to_company":"2025-06-18T18:25:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"14152022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-18T18:08:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Urgent : <em>Equifax</em> <em>Refusing</em> to Block and Delete Fraudulent Items Request for Assistance I am extremely frustrated. I just got off the phone with <em>Equifax</em> again. I am a verified victim of <em>identity</em> <em>theft</em> and there are fraudulent <em>accounts</em> on my credit report that do not belong to me."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.78829,"14152022"]},{"_index":"complaint-public-v1","_id":"17859131","_score":19.674026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because Equifax continues to report a fraudulent XXXX XXXX account ( XXXX XXXX XXXX ) on my credit file, despite multiple disputes and my full submission of an FTC Identity Theft Report, Identity Theft Affidavit, and proof of identity. I originally disputed this fraudulent account with Equifax on XX/XX/2025, then again on XX/XX/2025, and issued a Final Notice on XX/XX/2025. Despite having all legally required documentation, Equifax refuses to block or remove this identity-theft-related account as required under FCRA 1681c-2. Equifax has also failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) and continues to retain and re-report fraudulent information in violation of 1681i ( a ) ( 5 ). I have repeatedly requested verification details, including who allegedly verified the account and what documentation was relied upon, yet Equifax has not provided this information. Their refusal to remove identity-theft information has now escalated into willful noncompliance.","date_sent_to_company":"2025-12-09T03:30:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92629","tags":null,"has_narrative":true,"complaint_id":"17859131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T03:23:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am submitting this <em>complaint</em> because <em>Equifax</em> continues to report a fraudulent XXXX XXXX <em>account</em> ( XXXX XXXX XXXX ) on my credit file, despite multiple disputes and my full submission of an FTC <em>Identity</em> <em>Theft</em> Report, <em>Identity</em> <em>Theft</em> Affidavit, and proof of <em>identity</em>. I originally disputed this fraudulent <em>account</em> with <em>Equifax</em> on XX/XX/2025, then again on XX/XX/2025, and issued a Final Notice on XX/XX/2025."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.674026,"17859131"]},{"_index":"complaint-public-v1","_id":"11441737","_score":19.636446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, Equifax refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm. \nDetails of Complaint : 1. Failure to Remove Fraudulent Accounts * Equifax continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$17000.00}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). \n* XXXX XXXX XXXX {$17000.00}, charged off ) Equifax has failed to provide any signed documentation linking this account to me. \n* XXXX XXXX ( {$13000.00}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. \n* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. \n2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, Equifax is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, Equifax has refused to act on this legally sufficient evidence. \nXXXX. Failure to Provide Documentation Proving Account Ownership * Under FCRA XXXX, I have the right to request documentation that proves these accounts belong to me. Equifax has failed to provide such documentation, meaning they are reporting unverifiable accounts. \nXXXX. Unlawful Reinsertion of Deleted Accounts * Equifax previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).\n\n5. Failure to Remove Unauthorized Inquiries * Equifax has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. \n6. Refusal to Accept Valid Documentation * Equifax has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance.\n\nRequested Resoluti\n\non : 1. Immediate and Permanent Removal of All Fraudulent Accounts. 2. Deletion of All Unauthorized Inquiries. 3. Correction of My Contact Information. 4. Full Compliance with the Fair Credit Reporting Act.\n\n5. Compensation of {$15000.00} for financial damages, lost opportunities, and emotional distress due to E\n\nquifaxs failure to comply with federal law. I demand immediate action from the CFPB to investigate Equifaxs continued non\n-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-08T23:15:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11441737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T22:58:22.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Against <em>Equifax</em> for FCRA Violations and Failure to <em>Remove</em> Fraudulent <em>Accounts</em> To Whom It May Concern, I am filing a formal <em>complaint</em> against <em>Equifax</em> for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent <em>accounts</em> on my credit report. Despite multiple dispute requests, documented evidence of <em>identity</em> <em>theft</em>, and legal obligations under the FCRA, <em>Equifax</em> <em>refuses</em> to <em>remove</em> fraudulent <em>accounts</em> and inquiries from my report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.636446,"11441737"]},{"_index":"complaint-public-v1","_id":"11412719","_score":19.592655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for failing to properly investigate a fraudulent account on my credit report, despite providing them with all required documentation, including an identity theft report. \n\nI have repeatedly disputed the fraudulent XXXX XXXX account ending in XXXX, which is not mine and was opened as a result of identity theft. As required by law, I provided Equifax with the following documentation : 1.identity theft affidavit documenting the fraud.\n\n2. Other supporting evidence proving that I did not authorize or open this account. \n\nDespite this, Equifax has failed to conduct a proper investigation. Instead, they have simply stated that they verified the account with XXXX XXXX and have refused to remove it. They have sent me the same generic response multiple times, labeling my dispute as frivolous without addressing the evidence I submitted.Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to : Conduct a reasonable investigation of disputes, especially when evidence of identity theft is presented. \nRemove fraudulent accounts when sufficient documentation is provided. \n\nEquifaxs actions violate these legal obligations. Their reliance on XXXX XXXX claim of accuracy without properly investigating the evidence I submitted demonstrates a lack of compliance with the FCRA. \n\nAdditionally, the most recent letter from Equifax ( attached to this complaint ) dismisses my dispute as frivolous and fails to acknowledge the identity theft report and other supporting evidence I provided. This demonstrates their unwillingness to fulfill their duties as a credit reporting agency.","date_sent_to_company":"2025-01-07T16:23:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"01844","tags":null,"has_narrative":true,"complaint_id":"11412719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-07T16:09:48.000Z","state":"MA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> against <em>Equifax</em> for failing to properly investigate a fraudulent <em>account</em> on my credit report, despite providing them with all required documentation, including an <em>identity</em> <em>theft</em> report. \n\nI have repeatedly disputed the fraudulent XXXX XXXX <em>account</em> ending in XXXX, which is not mine and was opened as a result of <em>identity</em> <em>theft</em>. As required by law, I provided <em>Equifax</em> with the following documentation : 1.<em>identity</em> <em>theft</em> affidavit documenting the fraud.\n\n2."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.592655,"11412719"]},{"_index":"complaint-public-v1","_id":"6947669","_score":19.58177,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Credit Bureau has violated my rights under The Fair Credit Reporting Act ( FCRA ), which is the federal law that regulates credit reporting agencies and compels them to insure, that the information they gather and distribute is a fair and accurate summary of a consumers credit history, Equifax has failed in its duty. On XX/XX/2023, I filed a complaint # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately investigate, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account. XXXX and XXXX have completed its investigations and have successfully proven this debtor collector to be a fraudulent account and have removed said account from its credit bureau XXXX XXXX. However, Equifax is for whatever reason still reporting and refusing to remove this inaccurate, fraudulent, identity theft account from its credit report system.","date_sent_to_company":"2023-05-09T03:06:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"6947669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-09T02:34:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2023, I filed a <em>complaint</em> # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, <em>identity</em> <em>theft</em> <em>account</em> being reported to <em>Equifax</em> credit bureau XXXX <em>Equifax</em> has failed to adequately investigate, this inaccurate, fraudulent, <em>identity</em> <em>theft</em> <em>account</em> and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, <em>identity</em> <em>theft</em> <em>account</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.58177,"6947669"]},{"_index":"complaint-public-v1","_id":"1949271","_score":19.563774,"_source":{"product":"Credit reporting","complaint_what_happened":"On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. \nOn XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. \nOn XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating \" XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. \nI do not own a home. I have been renting since XXXX.","date_sent_to_company":"2016-06-01T20:46:26.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"37043","tags":null,"has_narrative":true,"complaint_id":"1949271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-06-01T20:46:25.000Z","state":"TN","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["On Friday, XXXX XXXX, XXXX, I submitted an <em>Identity</em> <em>theft</em> report to <em>Equifax</em>. The XXXX XXXX XXXX, <em>account</em> number XXXX, fraudulent <em>account</em> was never <em>removed</em> from my file. This <em>account</em> is documented in the <em>Identity</em> <em>Theft</em> report which included an FTC <em>complaint</em> and a police department <em>complaint</em> that was provided to <em>Equifax</em>. <em>Equifax</em> claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.563774,"1949271"]},{"_index":"complaint-public-v1","_id":"9992626","_score":19.534668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. Equifax has refused to promptly remove these fraudulent accounts. I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.","date_sent_to_company":"2024-09-02T16:09:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60641","tags":null,"has_narrative":true,"complaint_id":"9992626","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-02T15:42:04.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has <em>refused</em> to promptly <em>remove</em> these fraudulent <em>accounts</em>. I spoke with a representative from <em>Equifax</em> who informed me that these <em>accounts</em> would be blocked and <em>removed</em>. As an active member of the military, it is critical that these fraudulent <em>accounts</em>, which are the result of <em>identity</em> <em>theft</em>, be <em>removed</em> and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.534668,"9992626"]},{"_index":"complaint-public-v1","_id":"5651612","_score":19.516495,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I filed an FTC report regarding my personal information being hacked through the Equifax data breach in 2017. I faxed a copy of the identity theft report to Equifax and they are still refusing to remove the inquires from my report. I've also submit several complaints to the CFPB for resolution and have yet to have this issue resolved. The complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am requesting immediate removal of the inquires stated in the FTC identity theft report. I am also requesting immediate removal of the incorrectly reporting accounts.","date_sent_to_company":"2022-06-09T20:06:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"5651612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-09T18:38:55.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed an FTC report regarding my personal information being hacked through the <em>Equifax</em> data breach in 2017. I faxed a copy of the <em>identity</em> <em>theft</em> report to <em>Equifax</em> and they are still <em>refusing</em> to <em>remove</em> the inquires from my report. I've also submit several <em>complaints</em> to the CFPB for resolution and have yet to have this issue resolved. The <em>complaint</em> ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I am requesting immediate removal of the inquires stated in the FTC <em>identity</em> <em>theft</em> report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.516495,"5651612"]},{"_index":"complaint-public-v1","_id":"15605634","_score":19.364174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and have been trying to get XXXX fraudulent accounts removed from my Equifax credit report since XX/XX/year>. The accounts in question are XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX, which were opened in my name without my consent. I have submitted an official FTC Identity Theft Report ( Report # XXXX ) and supporting documentation to Equifax. I have sent XXXX previous legal demand XXXX XX/XX/year>, and XX/XX/XXXX, XXXX Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) and 1681c-2, for failing to conduct a reasonable reinvestigation and refusing to block identity theft-related information. Despite my repeated attempts, Equifax has not responded to my letters, nor have they taken any corrective action to remove the fraudulent accounts. Their continued inaction is causing severe financial harm and emotional distress, as the fraudulent accounts are damaging my credit and obstructing my ability to secure credit and housing. I am filing this complaint because Equifax has willfully and negligently refused to comply with its legal obligations under the FCRA.","date_sent_to_company":"2025-08-29T03:31:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10977","tags":null,"has_narrative":true,"complaint_id":"15605634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-29T03:22:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a victim of <em>identity</em> <em>theft</em> and have been trying to get XXXX fraudulent <em>accounts</em> <em>removed</em> from my <em>Equifax</em> credit report since XX/XX/year>. The <em>accounts</em> in question are XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX, which were opened in my name without my consent. I have submitted an official FTC <em>Identity</em> <em>Theft</em> Report ( Report # XXXX ) and supporting documentation to <em>Equifax</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.364174,"15605634"]},{"_index":"complaint-public-v1","_id":"15270343","_score":19.35618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My issues is with equifax, I have been the victim of identity theft and a fraudulent account has been created in my name through XXXX XXXX. Initially i contacted the original collection agency and both credit bureaus, they did an investigation and removed the hard inquiries and collection from my account. Since then XXXX XXXX has sent the account to another collection agency and equifax has allowed the collection back onto my account. I have made multiple phone calls and disputes to equifax but they refuse to remove the collection only stating that i contact the vendor. Equifax initially removed this collection and acknowledged it as the result of identity theft, i do not understand how they allowed it back onto my account as it has the same account number, I have also requested the details of their investigations but they refuse to comply. I do not believe that equifax is conducting any investigation at all and I would like you to look into the matter yourselves on my behalf. I have given them police report numbers and the investigating officers contact info as well, the constable reached out to me and said that equifax would not give him any details regarding this matter either and suggested that i file complaints with you.","date_sent_to_company":"2025-08-13T07:23:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15270343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T07:05:00.000Z","state":null,"company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have made multiple phone calls and disputes to <em>equifax</em> but they <em>refuse</em> to <em>remove</em> the collection only stating that i contact the vendor. <em>Equifax</em> initially <em>removed</em> this collection and acknowledged it as the result of <em>identity</em> <em>theft</em>, i do not understand how they allowed it back onto my <em>account</em> as it has the same <em>account</em> number, I have also requested the details of their investigations but they <em>refuse</em> to comply."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.35618,"15270343"]},{"_index":"complaint-public-v1","_id":"3404470","_score":19.312777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS IS THE FINAL REQUEST PRIOR TO SERVING EQUIFAX FOR MULTIPLE BREACHES OF CREDIT REPORTING LAW TO BE HEARD IN SMALL CLAIMS COURT, XXXX CA.EQUIFAX, AFTER MULTIPLE INVESTIGATIONS ( FOR MAX LEGAL $ CLAIM,XXXX PER BREACH ) CONCERNING IDENTITY THEFT CONTINUES TO PUBLISH AND DISSEMINATE FALSE INFORMATION.I ORIGINALLY DISPUTED 5 DEPT OF EDUCATION LOANS AS NOT MINE.. \nDUE TO IDENTITY THEFT.I HAVE PREVIOUSLY PROVIDED AN FTC IDENTITY THEFT REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.EQUIFAX REMOVED 4 OF THE 5 ERRONEOUS LOANS BUT REFUSES TO REMOVE THE 5TH LOAN DEPT OF EDUCATION/XXXX, ACCOUNT XXXX. \nTHE LOAN APPEARS TO BE TRANSFERRED.IT WAS NOT TRANSFERRED TO ME.EQUIFAX VIOLATES FCRA FOR NOT IMMEDIATELY DELETING.NO FURTHER INVESTIGATION IS NEEDED TO DELETE/SUPPRESS FROM EQUIFAX.ALL NECESSARY INFORMATION TO SUCCESSFULLY DELETE HAS BEEN PROVIDED MULTIPLE TIMES ... WITH MULTIPLE, MAIL, ONLINE DISPUTES AND CFPB COMPLAINTS. \nATTACHED ARE ID AND REPORT SECTIONS FROM EQUIFAX AND FTC ID THEFT REPORT. \nLATELY, THE EQUIFAX CFPB DISPUTE RESPONSES HAVE BEEN SAYING TO CFPB THAT EQUIFAX IS INVESTIGATING, YET THEY ARE NOT INVESTIGATING OR PUTTING UNDER DISPUTE.THEY ARE LYING TO THE CFPB IN THE PREVIOUS TWO COMPLAINTS AT THE LEAST.THIS IS A CRIMINAL ACT.","date_sent_to_company":"2019-10-13T23:50:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92262","tags":null,"has_narrative":true,"complaint_id":"3404470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-10-13T23:02:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DUE TO <em>IDENTITY</em> <em>THEFT</em>.I HAVE PREVIOUSLY PROVIDED AN FTC <em>IDENTITY</em> <em>THEFT</em> REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.<em>EQUIFAX</em> <em>REMOVED</em> 4 OF THE 5 ERRONEOUS LOANS BUT <em>REFUSES</em> TO <em>REMOVE</em> THE 5TH LOAN DEPT OF EDUCATION/XXXX, <em>ACCOUNT</em> XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.312777,"3404470"]},{"_index":"complaint-public-v1","_id":"14038557","_score":19.278387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and submitted a police report, FTC Identity Theft affidavit, a written fraud statement, and a government-issued ID to Equifax to have a fraudulent XXXX XXXX collection removed from my credit report. XXXX  has already removed the FRAUD account from my report. \n\nInstead of complying with FCRA Section 605B, which requires Equifax to block fraudulent items within 4 business days, Equifax has repeatedly refused to act. Their representatives have : Refused to escalate to a U.S.-based fraud specialist Hung up on me multiple times Denied that supervisors have supervisors Provided false legal information, claiming they are not obligated to act unless documents are sent by mail, despite federal law applying to all delivery methods Mocked or dismissed my attempts to escalate and resolve the issue I called Equifax on the following dates : XX/XX/XXXX at around [ XXXX ] unknown name, refused to escalate, refused to identify and hung up XX/XX/XXXX [ XXXX ] Called Executive Customer Relations line ( XXXX ), was forwarded back to standard support and disconnected by manager XXXX. \n\nXX/XX/XXXX [ XXXX ] Supervisor XXXX from XXXX call center told me he has no boss and that I can only complain to him about his own service XXXX XXXX [ XXXX ] Spoke to manager XXXX at XXXX call center who made be on hole for XXXX minutes before immediatlely talking very fast about filing complaints, refused to provide employee ID, interrupted me at every turn of discussion, told me to file a complaint on his service I have to send a handwritten letter by mail that I pay for the postage on, stated his supervisor does not take phone calls. \n\nI explained that filing a complaint with him about his own service would be the equivalent of filing a police brutality complaint with the officer who committed the offense. Still, I was met with hostility and eventually disconnected. \n\nXXXX has already removed the same fraudulent account within the legally required 4 business days. Equifax is knowingly violating the law and making it functionally impossible for a consumer to get identity theft resolved.\n\nI am requesting : Immediate deletion of the XXXX XXXX account A written apology or explanation for employee misconduct Accountability for Equifaxs call center behavior and failure to provide a legal path to resolution","date_sent_to_company":"2025-06-12T16:29:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"270XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14038557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-12T16:20:46.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am a victim of <em>identity</em> <em>theft</em> and submitted a police report, FTC <em>Identity</em> <em>Theft</em> affidavit, a written fraud statement, and a government-issued ID to <em>Equifax</em> to have a fraudulent XXXX XXXX collection <em>removed</em> from my credit report. XXXX  has already <em>removed</em> the FRAUD <em>account</em> from my report. \n\nInstead of complying with FCRA Section 605B, which requires <em>Equifax</em> to block fraudulent items within 4 business days, <em>Equifax</em> has repeatedly <em>refused</em> to act."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.278387,"14038557"]},{"_index":"complaint-public-v1","_id":"8873721","_score":19.210928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive been the victim of identity theft. This is mostly equifax and XXXX fault for leaking my information. \nThere is XXXX different names on my credit profile. I have filed a FTC Identity theft report and also filed one with the Department of Defense, And XXXX. \nIve followed this correctly to a T and filed everything correct yet Equifax, XXXX, And Especially XXXX refuse to remove all these accounts with the name XXXX XXXX, and XXXX XXXX. I have submitted my Military ID, Social security card, Passport and more and the info is still not removed. \nIf this process allows me to attach the FTC complaint and other docs ill attach them here.","date_sent_to_company":"2024-04-28T00:10:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"891XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8873721","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-28T00:10:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Ive been the victim of <em>identity</em> <em>theft</em>. This is mostly <em>equifax</em> and XXXX fault for leaking my information. \nThere is XXXX different names on my credit profile. I have filed a FTC <em>Identity</em> <em>theft</em> report and also filed one with the Department of Defense, And XXXX. \nIve followed this correctly to a T and filed everything correct yet <em>Equifax</em>, XXXX, And Especially XXXX <em>refuse</em> to <em>remove</em> all these <em>accounts</em> with the name XXXX XXXX, and XXXX XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.210928,"8873721"]},{"_index":"complaint-public-v1","_id":"2959990","_score":19.120655,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.","date_sent_to_company":"2018-07-11T15:35:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75082","tags":null,"has_narrative":true,"complaint_id":"2959990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-11T15:19:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> continues to commit Fraud. I have already advised <em>Equifax</em> over three different times, and <em>complaints</em> that I am a VICTIM of True - Name Fraud, and <em>Identity</em> <em>theft</em> after my wallet was stolen. I have provided <em>Equifax</em> with a copy of a law enforcement document to provide proof of <em>Identity</em> <em>theft</em>. <em>Equifax</em> <em>refuses</em> to follow the FCRA laws put in place to protect consumers whom are a victim of <em>identity</em> <em>theft</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.120655,"2959990"]},{"_index":"complaint-public-v1","_id":"13089803","_score":19.05274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft. I initally Submitted the complaint with FTC report, my ID and bill directly through the CFPB. \nToday I received a letter from Equifax that they will not be removing the said accounts in the complaint due to not receiving my attachments in the complaint. \n\nThey clearly have the documents and are violating my rights to protection. \n\nI submitted The same complaint and docs to both XXXX  and XXXX  also in the same complaint through the CFPB and they have already removed the accounts that were mentioned and opened fraudulently. \n\nEquifax is refusing when I already Submitted the necessary documentation. They are supposed to remove these accounts from my file within 15days by law. Instead of removing them they are saying that will be disputed in their 30 day process. \n\nThis is a violation of code 15 U.S. code -1681c-2","date_sent_to_company":"2025-04-21T18:35:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19027","tags":"Servicemember","has_narrative":true,"complaint_id":"13089803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-21T18:21:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am a victim of <em>identity</em> <em>theft</em>. I initally Submitted the <em>complaint</em> with FTC report, my ID and bill directly through the CFPB. \nToday I received a letter from <em>Equifax</em> that they will not be <em>removing</em> the said <em>accounts</em> in the <em>complaint</em> due to not receiving my attachments in the <em>complaint</em>. \n\nThey clearly have the documents and are violating my rights to protection."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.05274,"13089803"]},{"_index":"complaint-public-v1","_id":"13693217","_score":18.917297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Title : Equifax refuses to remove identity theft accounts ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to Equifax regarding XXXX fraudulent accounts that were opened in my name due to identity theft : XXXX  account ending in XXXX XXXX  XXXX account ending in XXXX Despite submitting a police report, an FTC Identity Theft Report, and multiple rounds of documentation verifying my identity and address, Equifax continues to report these accounts as valid. Due to Equifaxs failure to act, I have been forced to make payments under duress on accounts that were never mine, simply to protect my credit and prevent further damage. This situation has caused significant emotional stress and financial harm. Equifax is in clear violation of the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( 15 U.S.C. 1681i ) and 605B ( 15 U.S.C. 1681c2 ), which require credit bureaus to block and remove fraudulent accounts upon receiving proper documentation. I am filing this complaint as my final attempt before pursuing legal action. I am asking the CFPB to investigate and take the following actions : Require Equifax to delete the XXXX ( XXXX ) and XXXX  XXXX ( XXXX ) accounts immediately Remove all incorrect names and addresses from my file Issue me a corrected credit report in writing See attach documents","date_sent_to_company":"2025-05-23T05:32:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"13693217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T05:32:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Title : <em>Equifax</em> <em>refuses</em> to <em>remove</em> <em>identity</em> <em>theft</em> <em>accounts</em> ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to <em>Equifax</em> regarding XXXX fraudulent <em>accounts</em> that were opened in my name due to <em>identity</em> <em>theft</em> : XXXX  <em>account</em> ending in XXXX XXXX  XXXX <em>account</em> ending in XXXX Despite submitting a police report, an FTC <em>Identity</em> <em>Theft</em> Report, and multiple rounds of documentation verifying my <em>identity</em> and address"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.917297,"13693217"]},{"_index":"complaint-public-v1","_id":"13693215","_score":18.917297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Title : Equifax refuses to remove identity theft accounts ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to Equifax regarding XXXX fraudulent accounts that were opened in my name due to identity theft : XXXX  account ending in XXXX XXXX  XXXX account ending in XXXX Despite submitting a police report, an FTC Identity Theft Report, and multiple rounds of documentation verifying my identity and address, Equifax continues to report these accounts as valid. Due to Equifaxs failure to act, I have been forced to make payments under duress on accounts that were never mine, simply to protect my credit and prevent further damage. This situation has caused significant emotional stress and financial harm. Equifax is in clear violation of the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( 15 U.S.C. 1681i ) and 605B ( 15 U.S.C. 1681c2 ), which require credit bureaus to block and remove fraudulent accounts upon receiving proper documentation. I am filing this complaint as my final attempt before pursuing legal action. I am asking the CFPB to investigate and take the following actions : Require Equifax to delete the XXXX ( XXXX ) and XXXX  XXXX ( XXXX ) accounts immediately Remove all incorrect names and addresses from my file Issue me a corrected credit report in writing See attach documents","date_sent_to_company":"2025-05-23T05:32:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"13693215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T05:32:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Title : <em>Equifax</em> <em>refuses</em> to <em>remove</em> <em>identity</em> <em>theft</em> <em>accounts</em> ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to <em>Equifax</em> regarding XXXX fraudulent <em>accounts</em> that were opened in my name due to <em>identity</em> <em>theft</em> : XXXX  <em>account</em> ending in XXXX XXXX  XXXX <em>account</em> ending in XXXX Despite submitting a police report, an FTC <em>Identity</em> <em>Theft</em> Report, and multiple rounds of documentation verifying my <em>identity</em> and address"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.917297,"13693215"]},{"_index":"complaint-public-v1","_id":"13693298","_score":18.906065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Title : Equifax refuses to remove identity theft accounts ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to Equifax regarding XXXX fraudulent accounts that were opened in my name due to identity theft : XXXX  account ending in XXXX XXXX  XXXX account ending in XXXX Despite submitting a police report, an FTC Identity Theft Report, and multiple rounds of documentation verifying my identity and address, Equifax continues to report these accounts as valid. Due to Equifaxs failure to act, I have been forced to make payments under duress on accounts that were never mine, simply to protect my credit and prevent further damage. This situation has caused significant emotional stress and financial harm. Equifax is in clear violation of the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( 15 U.S.C. 1681i ) and 605B ( 15 U.S.C. 1681c2 ), which require credit bureaus to block and remove fraudulent accounts upon receiving proper documentation. I am filing this complaint as my final attempt before pursuing legal action. I am asking the CFPB to investigate and take the following actions : Require Equifax to delete the XXXX ( XXXX ) and XXXX  XXXX ( XXXX ) accounts immediately Remove all incorrect names and addresses from my file Issue me a corrected credit report in writing See attach documents","date_sent_to_company":"2025-05-23T05:32:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"13693298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T05:28:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Title : <em>Equifax</em> <em>refuses</em> to <em>remove</em> <em>identity</em> <em>theft</em> <em>accounts</em> ( XXXX XXXX, XXXX  XXXX XXXX ) despite police and FTC reports forced to pay under duress Narrative : I have submitted multiple disputes to <em>Equifax</em> regarding XXXX fraudulent <em>accounts</em> that were opened in my name due to <em>identity</em> <em>theft</em> : XXXX  <em>account</em> ending in XXXX XXXX  XXXX <em>account</em> ending in XXXX Despite submitting a police report, an FTC <em>Identity</em> <em>Theft</em> Report, and multiple rounds of documentation verifying my <em>identity</em> and address"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.906065,"13693298"]},{"_index":"complaint-public-v1","_id":"12317502","_score":18.895212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate my identity theft dispute and remove fraudulent accounts from my credit report, despite multiple submissions of required documentation. \n\nExperians Failure to Investigate Identity Theft Dispute On XX/XX/year>, I submitted a formal identity theft dispute to Experian via mail, including : A copy of my government-issued ID and social security card A /FTC identity theft affidavit A detailed letter outlining the fraudulent accounts and how I was affected Despite having all necessary proof, Experian refused to investigate, claiming they did not believe I was the one submitting the dispute. \nI received their response at the last minute, delaying my ability to resolve the fraudulent activity. \nOn XX/XX/year>, I resubmitted the same dispute directly through Experians online portal, and they are still refusing to investigate promptly, despite their legal obligation under the Fair Credit Reporting Act ( FCRA ). \n\nEquifax & TransUnions Failure to Remove Fraudulent XXXX Account Equifax and TransUnion continue to report a WebBank account that does not belong to me. \nI have repeatedly disputed this account, and it has not been removed. \nI have no knowledge of this account, nor have I ever opened or authorized it.\n\nLegal Violations & Requested Action 1.Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to promptly investigate a valid identity theft dispute despite multiple submissions with all required documentation.\n\n2.Equifax and TransUnion are failing to fulfill their obligation under FCRA by continuing to report a fraudulent account that I do not own, despite multiple disputes.\n\n3.These delays are causing significant harm to my credit and financial well-being.\n\nI demand the following corrective actions : Experian must immediately investigate and remove fraudulent accounts from my credit report.\n\nEquifax and TransUnion must delete the XXXX account that I have repeatedly disputed and proven is not mine. \nI request a written response with clear corrective actions taken, not just another generic dispute response. \n\nFailure to act will result in further legal escalation as well as complaint with the attorney general.","date_sent_to_company":"2025-03-04T17:20:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27545","tags":null,"has_narrative":true,"complaint_id":"12317502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-04T17:02:53.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> against Experian, <em>Equifax</em>, and TransUnion for failing to properly investigate my <em>identity</em> <em>theft</em> dispute and <em>remove</em> fraudulent <em>accounts</em> from my credit report, despite multiple submissions of required documentation."]},"sort":[18.895212,"12317502"]},{"_index":"complaint-public-v1","_id":"10587309","_score":18.878723,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Complaint I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs violation of my consumer rights in an identity theft case. Despite providing Equifax with a police report and an FTC Identity Theft Report, Equifax has failed to honor my claim, left fraudulent accounts and inquiries on my credit report, added additional fraudulent information, and refused to disclose the sources it used for verification. These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). I am seeking CFPBs intervention to ensure that Equifax adheres to its legal obligations and removes all fraudulent information from my credit report.\n\nDetails of the Case I am a documented victim of identity theft and submitted both a police report and FTC Identity Theft Report to Equifax. In response, Equifax has : Ignored My Identity Theft Documentation As Of XX/XX/year> : Equifax has failed to comply with FCRAs identity theft provisions, particularly 15 U.S. Code 1681c-2, which requires consumer reporting agencies to block and remove information resulting from identity theft within 15 business days of receiving an identity theft report.\n\nFailed to Verify Fraudulent Accounts : Under 15 U.S. Code 1681i, Equifax is obligated to conduct a reasonable reinvestigation of any disputed information. I have not been informed of which entities Equifax contacted or the basis for their verification of fraudulent accounts. Equifaxs lack of transparency regarding this verification process is a violation of my rights to clear and accurate information.\n\nFailed to Notify Me of Investigation Results : FCRA regulations require that consumers be notified of the results of any reinvestigation under 15 U.S. Code 1681i ( a ) ( 6 ). Despite my documented identity theft claim, I was not informed of any meaningful findings from Equifaxs investigation, nor did they remove the fraudulent accounts or inquiries as required.\n\nAdded Further Fraudulent Information : Equifaxs decision to add further information to my credit report despite my documented identity theft case only exacerbates my damages and further violates the FCRAs provisions on consumer protection and information accuracy.\n\nThe presence of fraudulent items has significantly harmed my credit score, which now stands at 592, and has hindered my ability to secure necessary financial services.\n\nCFPBs Lack of Action on My Previous Complaint I previously filed a complaint with the CFPB regarding Equifaxs failure to follow consumer protection laws, but no substantial corrective action was taken. This lack of intervention has allowed Equifax to continue its non-compliance with FCRA, leaving consumers like myself without recourse.\n\nRequest for Relief I respectfully request that the CFPB : Investigate Equifaxs Handling of My Identity Theft Claim : Ensure Equifaxs compliance with 15 U.S. Code 1681c-2, which mandates the removal of identity-theft-related information within 15 days, and 15 U.S. Code 1681i, which requires transparent investigation processes for disputed accounts.\n\nEnforce Compliance with FCRA a\n\nnd Consumer Rights : Compel Equifax to disclose their verification sources and delete all inaccurate information. Remove All Fraudulent Information : Direct Equifax to immediately and permanently remove all fraudulent accounts and inquiries from my report. Allow Civil Recourse : Provide information on civil damages available under FCRA for financial and emotional harm caused by Equifaxs negligence.\n\nEquifaxs disregard for documented identity theft evidence and non-compliance with FCRA laws has caused significant financial harm. I am hopeful the CFPB will take appropriate enforcement action to protect consumer rights and hold Equifax accountable.","date_sent_to_company":"2024-10-26T22:00:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27616","tags":"Servicemember","has_narrative":true,"complaint_id":"10587309","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-26T21:29:02.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Summary of <em>Complaint</em> I am submitting this formal <em>complaint</em> to the Consumer Financial Protection Bureau ( CFPB ) regarding <em>Equifaxs</em> violation of my consumer rights in an <em>identity</em> <em>theft</em> case. Despite providing <em>Equifax</em> with a police report and an FTC <em>Identity</em> <em>Theft</em> Report, <em>Equifax</em> has failed to honor my claim, left fraudulent <em>accounts</em> and inquiries on my credit report, added additional fraudulent information, and <em>refused</em> to disclose the sources it used for verification."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.878723,"10587309"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":641,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":641}]}},"product":{"doc_count":641,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":461,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":460},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, 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