{"took":162,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13693298","_score":25.556986,"_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 <em>Narrative</em> : 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":[25.556986,"13693298"]},{"_index":"complaint-public-v1","_id":"13693217","_score":25.529423,"_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 <em>Narrative</em> : 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":[25.529423,"13693217"]},{"_index":"complaint-public-v1","_id":"13693215","_score":25.529423,"_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 <em>Narrative</em> : 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":[25.529423,"13693215"]},{"_index":"complaint-public-v1","_id":"18032791","_score":15.985687,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX VIA CERTIFIED MAIL and CFPB PORTAL Equifax Information Service LLC XXXX. XXXX XXXX XXXX, Georgia XXXX Re : Formal FCRA dispute and demand for correction of inaccurate and fraudulent credit reporting To Whom It May Concern : This correspondence is a formal dispute of inaccurate and fraudulent information appearing in my consumer report and a demand for correction, deletion, and full compliance with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., its implementing Regulation V, the Federal Trade Commission ( FTC ) regulations and guidance, and the Consumer Financial Protection Bureau ( CFPB ) guidance governing the investigation of credit reporting disputes and identity theft. \n\nBackground And Nature Of Dispute My consumer report currently reflects XXXX or more accounts, tradelines, or derogatory items that do not belong to me and/or are the result of identity theft, as detailed in the attached list and documentation. I did not open, authorize, or benefit from these accounts or transactions, and I have already filed an identity theft report with the appropriate authorities and with the FTC, and I am providing copies of my FTC Identity Theft Report, police report ( if applicable ), and proof of identity. \n\nThese inaccurate entries are causing substantial harm, including damage to my credit reputation, denial or less favorable terms of credit, and other financial and personal injuries. You are now on notice that this information is disputed and that I assert my rights as an identity theft victim and as a consumer under federal law. \n\nFCRA Duties To Assure Accuracy And Conduct A Reasonable Investigation Under the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report about consumers, and must conduct a reasonable reinvestigation of disputed information when notified by a consumer. This includes the duty to review all relevant information provided by the consumer, to communicate the dispute to the furnisher of the information, and to delete or correct information that can not be verified as accurate. \n\nCFPB supervisory guidance and circulars reiterate that both consumer reporting agencies and furnishers can face liability under the FCRA when they fail to conduct reasonable investigations of consumer disputes or create barriers to the submission of disputes. Federal regulators have emphasized that you must not ignore, summarily reject, or parrot verify disputed information without a genuine, reasonable investigation that considers the evidence submitted by the consumer. \n\nIdentity Theft and FCRA 605B Blocking Rights Because the disputed information results from identity theft, I am invoking my rights under FCRA 605B ( 15 U.S.C. 1681c2 ), which provides that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft when the consumer submits : ( XXXX ) appropriate proof of identity, ( XXXX ) a copy of an identity theft report, and ( XXXX ) an identification of the fraudulent information. Section 605B requires the credit reporting agency to block this information within a short timeframe after receiving the required documentation and to notify the furnisher that the information has been blocked due to identity theft. \n\nYour failure to promptly block and remove these identitytheftrelated items after receiving proper documentation would constitute a violation of FCRA 605B and related FTC and CFPB guidance for identity theft victims. Courts have recognized that identity theft victims have a private right of action against furnishers and reporting agencies that fail to conduct a reasonable investigation and continue reporting fraudulent accounts, and regulators have supported consumers in such actions. \n\nCase Law Regarding Failure To Investigate And Identity Theft Federal courts have repeatedly held that when a consumer disputes items on a credit report, the FCRA requires furnishers and agencies to conduct a reasonable investigation, and failure to do so can give rise to liability for actual, statutory, and punitive damages. In recent appellate decisions involving allegations of identity theft, courts have focused on whether the furnisher and agencies reasonably investigated the consumers identity theft claim and whether they deleted or corrected information that could not be verified as belonging to the consumer. These decisions make clear that ignoring consumerprovided identity theft affidavits and supporting evidence, or simply confirming the debt with the original furnisher without deeper inquiry, is insufficient. \n\nBy persisting in reporting fraudulent information after clear notice of identity theft and a dispute, and by failing to conduct a reasonable reinvestigation, a credit reporting agency and any involved furnisher violate their statutory duties under 15 U.S.C. 1681i and 1681s2 and can be held liable in a private civil action. \n\nFraudulent, Unverified Accounts or Inaccurate XXXX XXXX Closed ( Unverified/Fraudulent ) Creditor : XXXX XXXX / Account type : Credit card ( revolving ) Charge Off / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : XXXX dollars ( credit limit ) Amount in default : chargeoff amount XXXX dollars ; current balance XXXX ; amount past due XXXX Status / notes : Charge Off ; date of XXXX delinquency XX/XX/XXXX ; consumer disputes this account ( code 166 ) ; narrative codes XXXX ( chargedoff ), XXXX ( credit card ), XXXX ( high credit is credit limit ). \n\nXXXX XXXX Closed ( Unverified/Fraudulent ) Creditor : XXXX XXXX XXXX Account type : Credit card ( revolving ) Charge Off / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : XXXX dollars ( credit limit ) Amount in default : chargeoff amount XXXX dollars ; current balance XXXX ; amount past due XXXX Status / notes : Charge Off ; date of XXXX delinquency XX/XX/XXXX ; date closed XX/XX/XXXX ; narrative codes XXXX ( chargedoff ), XXXX ( credit card ), XXXX ( high credit is credit limit ), XXXX ( high credit is original chargeoff amount ). \n\nXXXX XXXX Closed ( Unverified/Fraudulent ) Creditor : XXXX XXXX XXXX Account type : Credit card ( revolving ) Charge Off / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : XXXX dollars ( credit limit ) Amount in default : chargeoff amount XXXX dollars ; current balance XXXX ; amount past due XXXX Status / notes : Charge Off ; date of XXXX delinquency XX/XX/XXXX ; date closed XX/XX/XXXX ; activity designator Closed by credit grantor ; narrative codes XXXX ( chargedoff ), XXXX ( account closed by credit grantor ), XXXX ( fixed rate ). \n\nXXXX XXXX Co / Collection agency : CREDIT COLLECTIONS ( Unverified/Fraudulent ) Account type : Collection Insurance / Original creditor : XXXX SECURE CO XXXX Date assigned : XX/XX/XXXX Date last paid : None reported ( Last Payment Date : None ) Date of most recent update : XX/XX/XXXX ( collection reported and status Unpaid as of that date ) Original limit / original amount : Not stated as original amount ; collection amount and balance are XXXX dollars Amount in default : XXXX dollars ( unpaid collection balance ) Status / notes : Individual account ; creditor classification Insurance ; date of XXXX delinquency XX/XX/XXXX ; status Unpaid ; no additional narrative notes. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : DEPT OF XXXX / Account type : Education Loan ( student loan ) / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX Original limit : High credit XXXX dollars ( original principal ) Amount in default : XXXX dollars ( balance XXXX ; amount past due XXXX ; no chargeoff ) Status / notes : Pays As Agreed ; payment deferred; narrative XXXX ( consumer disputes after resolution ), XXXX ( student loan payment deferred ), XXXX ( student loan ), XXXX ( previously in dispute and resolved ), XXXX ( affected by natural or declared disaster on certain months ). \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; narrative XXXX, XXXX, XXXX, XXXX, XXXX as above. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXXXXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative pattern ( XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nXXXX XXXX XXXX XXXX ( Inaccurate/Never Late ) Creditor : DEPT OF XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; narrative XXXX, XXXX, XXXX, XXXX, XXXX. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : DEPT OF XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set ( including affected by natural or declared disaster for some months ). \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\nXXXX XXXX  XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX XXXX Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\nXXXX OF XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX XXXX / Account type : Education Loan / Date opened : XX/XX/XXXX / Date last paid : XX/XX/XXXX Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ) Status / notes : Pays As Agreed ; payment deferred; same narrative set. \n\nXXXX XXXX XXXX ( Inaccurate/Never Late ) Creditor : XXXX XXXX  XXXX / Account type : Education Loan ( prior servicer ) / Date opened : XX/XX/XXXX Date last paid : XX/XX/XXXX / Date of most recent update : XX/XX/XXXX / Original limit : High credit XXXX dollars Amount in default : XXXX dollars ( balance XXXX ; past due XXXX ; no chargeoff ) Status / notes : Pays As Agreed ; transferred/sold XX/XX/XXXX ; narrative codes XXXX ( account transferred or sold ) and XXXX ( student loan ). \n\nViolations Alleged To the extent you have failed to : I. XXXX a reasonable reinvestigation of my dispute, XXXX. Review all relevant information that I have provided, XXXX. Communicate my dispute accurately to the furnisher ( XXXX ), XXXX. XXXX identitytheftrelated information after receiving the required documentation, and/or V. Delete or correct information that can not be verified as accurate, You are in violation of the FCRA, XXXX but not limited to XXXX U.S.C. XXXX ( b ), XXXX, and XXXX, as well as applicable CFPB and FTC regulations and guidance. Continued reporting of fraudulent and inaccurate information after notice of identity theft also constitutes willful or negligent noncompliance with the FCRA, exposing you to civil liability. \n\nDemands For Correction And Specific Relief Accordingly, I demand that you : I. XXXX a thorough, reasonable reinvestigation of each disputed item listed in my attached schedule, including review of all documents I have provided. \nXXXX. XXXX, delete, and permanently remove from my consumer report all tradelines, accounts, inquiries, or derogatory items that are the result of identity theft or can not be verified as accurate as to me. \nXXXX. Provide me with an updated copy of my consumer report showing the removal or correction of all disputed items. \nIV. Provide a written description of the procedures used in your reinvestigation, including the entities you contacted, information reviewed, and the basis for your conclusions, as permitted under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). \nXXXX XXXX from reinserting any deleted items in my file unless you fully comply with the FCRAs reinsertion requirements, including proper notice. \n\nThese actions should be completed within the statutory reinvestigation period, generally 30 days from your receipt of this dispute ( or shorter blocking timelines as applicable under XXXX ), and you should provide written confirmation to me at the address above. \n\nNotice Of Potential Litigation And Damages Please treat this letter as both a dispute under the FCRA and a prelitigation demand. If you fail to comply with the obligations described above, continue to report inaccurate or identitytheftrelated information, or otherwise refuse to correct and block the disputed items, you XXXX be liable for : I. Actual damages, including but not limited to credit denials, higher interest rates, and emotional distress. \nXXXX. Statutory damages for willful violations under XXXX XXXX. XXXX. \nXXXX. XXXX fees and costs. \nIV. Punitive damages where appropriate, particularly for reckless or knowing disregard of consumer rights. \n\nFederal regulators, including the CFPB and FTC, have expressly warned that consumer reporting agencies and furnishers can face enforcement actions and civil liability for failure to reasonably investigate disputes and properly address identity theftrelated information. If you do not resolve this matter within the time provided by law, I reserve all rights to pursue legal remedies in court, including filing suit against you and any furnishers involved in these inaccuracies for violations of the FCRA and related consumer protection statutes. \n\nDocuments enclosed I am enclosing the following, and you must review each item as part of your investigation : Copy of governmentissued identification Proof of current address Copy of my FTC Identity Theft Report A list of each disputed tradeline, including creditor name, account number ( redacted ), and why the item is inaccurate or fraudulent Any additional supporting documentation showing that the accounts or transactions are not mine Please confirm in writing, at the address listed above, that you have received this dispute, initiated a reinvestigation, blocked and removed any identitytheftrelated information pursuant to FCRA XXXX, and corrected all inaccurate information. Retain this letter and all attachments in your files, as they will be used as evidence of your notice and your response in any future regulatory complaint or civil litigation. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-15T05:00:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"18032791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T04:53:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX VIA CERTIFIED MAIL and CFPB PORTAL <em>Equifax</em> Information Service LLC XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.985687,"18032791"]},{"_index":"complaint-public-v1","_id":"11082295","_score":12.590672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Equifax for the ongoing and severe harm caused by its negligent handling of my personal and financial data. The actions of Equifax, along with the conduct of its representatives, have left me financially disenfranchised, mentally distressed, and stripped of basic dignity. I demand immediate resolution and assert my rights under the law to protect myself against further harm. \nXXXX. Breach of Personal Data and Reporting Unauthorized Accounts Equifaxs failure to safeguard my personal data has allowed unauthorized accountsspecifically accounts linked to XXXX and XXXX tarnish my credit file. This is a direct consequence of the data breach, which not only compromised my sensitive information but enabled the perpetuation of fraud against me. Despite my repeated disputes, Equifax has willfully refused to remove these accounts reporting unauthorized information, which amounts to reckless indifference toward the accuracy of my credit file. \nXXXX. Dehumanizing Treatment by Representatives Equifax representative XXXX conduct has been particularly egregious. Her dismissive and disparaging remarks made me feel demeaned and powerless, as if I were a slave to a system designed to deny me fairness and justice. Rather than addressing my concerns with professionalism and care, XXXX responses have belittled my grievances and contributed to my mental anguish. This treatment reflects a lack of respect for my rights as a consumer and human being. \nXXXX. Violations of Federal Laws and Consumer Protections Equifax has committed multiple violations of federal law, which have directly contributed to my financial harm and emotional distress : XXXX. Repeated Opt-Out Notices Disregarded Against My Will Equifax ignored my multiple opt-out notices submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( e ). By failing to process these notices, Equifax violated federal laws governing the permissible use of consumer information. The right to opt out of prescreened or unauthorized offers is guaranteed to consumers, and XXXX deliberate inaction is a direct affront to these rights. \nViolation of 15 U.S.C. 1681b ( e ) : Equifax has no lawful basis to retain or share my information after receiving explicit instructions through multiple opt-out requests. \nNeglect of Consumer Autonomy : By disregarding these opt-out notices, Equifax has effectively coerced me into a system that I expressly refused to participate in, stripping me of control over my personal and financial data. \nThis ongoing violation of my will constitutes a severe infringement on my legal rights and has perpetuated the harm caused by unauthorized reporting. \nEquifax has displayed a clear and deliberate pattern of negligence, defiance of federal law, and blatant disregard for my consumer rights. Despite submitting a fully compliant FTC Identity Theft Report, along with all required documentationproof of address, social security, and government-issued IDEquifax has intentionally ignored its legal obligations under 15 U.S.C. 1681c-2 ( FCRA ), which mandates blocking disputed information resulting from identity theft. Their refusal to act not only contravenes federal law but also exhibits a shocking level of contempt for their responsibility to protect consumers. \nBy selectively acknowledging disputes, such as addressing XXXX Bank while completely disregarding the same evidence for other unauthorized accounts, Equifax is engaging in discriminatory practices that undermine the very integrity of the consumer reporting process. This selective enforcement is not only unjust but demonstrates a willful violation of 15 U.S.C. 1681i, which requires a fair and thorough investigation of all disputed accounts. \nEquifaxs misconduct has left unauthorized accounts on my credit report, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.all of which I have rightfully disputed. This negligence has caused severe financial harm, jeopardizing my creditworthiness, and further exacerbating the mental and emotional anguish inflicted upon me. Their actionsor lack thereofrepresent an outright denial of my constitutional rights, as well as a systemic abuse of power aimed at controlling my consumer report against my will. \nXXXX behavior constitutes a breach of trust and a clear violation of consumer protection laws, including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy, and 15 U.S.C. 1681n, which imposes liability for willful noncompliance with the FCRA. Their disregard for the law, combined with their selective and prejudiced handling of my disputes, demonstrates an egregious lack of accountability and undermines the consumer protection framework they are obligated to uphold. I have documentation that will expose Equifaxs intentional misconduct, including their selective acknowledgment of disputes while disregarding identical claims, proving their efforts to manipulate and control my consumer report with willful disregard for my rights. \nEquifaxs actionsor inactionwill not go unanswered. This pattern of abuse, negligence, and selective enforcement is both unlawful and unethical, and I demand the immediate removal of all unauthorized accounts and full accountability for their violations of federal law. Should Equifax continue to ignore its obligations, I will have no choice but to escalate this matter to arbitration or federal litigation to seek damages for the irreparable harm caused. \n\nb. Negligence and Breach of Duty Equifaxs mishandling of my data during the breach demonstrates gross negligence. By failing to protect my information, Equifax breached its duty of care, exposing me to fraud and financial exploitation. \nc. Breach of Fiduciary Duty As a credit reporting agency, Equifax has a fiduciary duty to act in good faith and safeguard the interests of consumers. Its actionsallowing the perpetuation of fraudulent accountsconstitute a willful breach of this duty.\n\nd. Violations of the Equal Credit Opportunity Act ( ECOA ) By denying me equitable access to accurate credit reporting and imposing barriers to resolving disputes, Equifax has engaged in discriminatory practices that undermine my financial freedom.\n\ne. Constitutional Protections Against Coercion Equifaxs refusal to correct these inaccuracies has denied me the opportunity to exercise my constitutional right to financial liberty. The burden of battling their deliberate inaction has left me enslaved to a false narrative that paints me as financially irresponsiblea grave injustice XXXX. Selective Reporting and Contradictory Actions Equifaxs reporting of accounts demonstrates blatant inconsistencies and raises serious concerns about its adherence to fairness and accuracy obligations. While they sent a check related to the XXXX account, all other and related accounts listed below were still reported as unauthorized : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Numbers : XXXX, XXXX XXXX  XXXX : Account Number : XXXX XXXX XXXX ( XXXX ) : Account Number : XXXX XXXX XXXX Services : Account Number : XXXX Equifaxs selective handling of the XXXX Bank account demonstrates not only negligence but an intent to manipulate the reporting process to obscure its own failures. \n\n\n\n\nXXXX. Demand for Redress To rectify the harm caused by XXXX negligence, I demand the following : XXXX. Immediate removal of all unauthorized accounts from my credit report. \nXXXX. {$1000.00} per unauthorized account as compensation for financial harm, emotional distress, and mental anguish. \nXXXX. A formal apology acknowledging XXXX misconduct and detailing corrective measures to prevent further harm. \nXXXX. A commitment to ensure the accuracy of my credit file and comply with all federal and state laws governing credit reporting. \nXXXX. Case Law Supporting My Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that failure to properly investigate disputes under the FCRA constitutes a breach of duty, leading to liability for damages caused by inaccuracies. XXXX refusal to remove fraudulent accounts parallels this failure. \nXXXX XXXX XXXX XXXX XXXX, 578 U.S. 330 ( XXXX ) : This Supreme Court case emphasized the importance of accurate consumer reporting. XXXX continued reporting of false accounts directly contravenes this precedent, causing tangible harm to my financial standing. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case reinforced the standard for willful noncompliance with the FCRA. XXXX negligence and refusal to address disputes amount to willful violations of their legal obligations. \nXXXX. Emotional and Financial Anguish Equifaxs actions have caused irreparable damage to my mental well-being. The endless disputes, derogatory treatment, and refusal to act have left me feeling helpless and violated. This ordeal has stripped me of my financial dignity, as my creditworthinessa cornerstone of financial freedomremains tarnished by fraudulent accounts. \nI have suffered sleepless nights, stress-induced health issues, and a loss of confidence in pursuing opportunities that rely on accurate credit reporting. The emotional toll of being treated as a victim of fraud while being denied justice is beyond measure. \nXXXX. Preparedness for Arbitration or Legal Action If Equifax does not resolve this matter promptly and equitably, I am fully prepared to pursue arbitration or legal action. I will present comprehensive evidence of the following : Unauthorized accounts reported by Equifax. \nDocumentation of my disputes and Equifaxs inadequate responses.\n\nEvidence of the financial and emotional harm caused by Equifaxs misconduct.","date_sent_to_company":"2024-12-10T01:50:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11082295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-10T01:29:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has displayed a clear and deliberate pattern of negligence, defiance of federal law, and blatant disregard for my consumer rights. Despite submitting a fully compliant FTC <em>Identity</em> <em>Theft</em> Report, along with all required documentationproof of address, social security, and government-issued IDEquifax has intentionally ignored its legal obligations under 15 U.S.C. 1681c-2 ( FCRA ), which mandates blocking disputed information resulting from <em>identity</em> <em>theft</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[12.590672,"11082295"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5}]}},"product":{"doc_count":5,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}}]}},"issue":{"doc_count":5,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Their investigation did not fix an error on your report","doc_count":2}]}}]}},"timely":{"doc_count":5,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5}]}},"company_response":{"doc_count":5,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5}]}},"submitted_via":{"doc_count":5,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":5}]}},"company":{"doc_count":5,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":5}]}},"state":{"doc_count":5,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":4},{"key":"GA","doc_count":1}]}},"company_public_response":{"doc_count":5,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},"tags":{"doc_count":5,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}