Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12269859
Complaint Overview
Complaint ID: 12269859
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 14621
Date Received: 2025-02-27T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : XXXX failed to properly restrict access to consumer information. 1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Frequently Asked Questions
What is Complaint #12269859 about?
Complaint #12269859 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-27T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.