Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13927322
Complaint Overview
Complaint ID: 13927322
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: Alabama
ZIP Code: 36116
Date Received: 2025-06-05T12:00:00-05:00
Date Sent to Company: 2025-06-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I submitted formal identity theft disputes under FCRA XXXX ( XXXX U.S.C. XXXX ) to all three credit bureaus. I included a signed FTC Identity Theft Report, my ID, and a written request to block fraudulent accounts, inquiries, and personal information. This was a complete and valid 605B submission. By law, the bureaus are required to block the disputed items within 4 business days unless they determine the report to be fraudulent. I have solid documentation from XXXX XXXX of them notifying me of the different times my card information was compromised as well as evidence of my information being included in multiple data breaches. I never received any such determination, and yet none of the disputed items have been removed. Instead, I was told that the bureaus are " waiting on the creditor to verify the account. '' This is not how 605B works. Under this statute, consumers are not required to wait for creditor verification ; the bureau must block upon proper documentation. Even worse, I am now receiving a wave of stall letters from furnishers, requesting the same FTC Identity Theft Reports and documentation I already submitted to the credit bureaus. These companies are simply buying time while the damage to my credit continues. The result is a frustrating, circular process where no one takes responsibility, and no one complies with the law. I took the legal steps required of me. I followed the exact 605B protocol, sent the correct documents, and asked the bureaus to do what federal law requires : block fraudulent information and notify the furnishers. Instead, Im being bounced back and forth between creditors and bureaus, while my credit reports remain unchanged and my rights are ignored. This has led to ongoing financial harm, emotional distress, and lost time. I am requesting that the CFPB intervene to enforce FCRA 605B immediately. I want the tradelines and inquiries permanently blocked, the furnishers properly notified, and written confirmation that my identity theft report was received and acted on. Consumers shouldnt be forced to relive their identity theft trauma over and over, just because the system is built to delay, deflect, and ignore. I did my part. Its time the bureaus do theirs.
Frequently Asked Questions
What is Complaint #13927322 about?
Complaint #13927322 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 2025-06-05T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.