Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14408608
Complaint Overview
Complaint ID: 14408608
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 90503
Date Received: 2025-07-01T12:00:00-05:00
Date Sent to Company: 2025-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To : Equifax ( via CFPB Portal ) Re : Continued Reporting of Fraudulent Account Violation of 15 U.S.C. 1681c-2 This is a formal rebuttal and continuation of my identity theft dispute originally submitted through the CFPB. Your response is both legally insufficient and factually incorrect. You stated : Equifax verified that this item belongs to you. This is an unacceptable and unlawful conclusion given the documentation I submitted, which includes : 1. An FTC Identity Theft Report 2. An official police report from the XXXX XXXX Police Department ( XXXX ) XXXX. The Victim Supplement and Financial Loss Report from XXXX 4. A sworn statement that I am the victim of identity theft Under 15 U.S.C. 1681c-2, also known as the Fraudulent Information Blocking Law, Equifax is legally required to block the reporting of any item identified as resulting from identity theft within four ( 4 ) business days of receiving : A valid identity theft report ( FTC and police ) A consumers statement that the charges on this account are fraudulent You received all of this. Yet, you illegally continue to report the XXXX XXXX XXXXXXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act. Let me be very clear : This is not a standard accuracy dispute. This is an identity theft blocking request under federal law, and your failure to comply constitutes a willful violation under 15 U.S.C. 1681n, which exposes Equifax to civil liability, statutory damages, and attorneys fees. You are now on notice : I demand immediate removal and permanent blocking of the XXXX XXXX XXXXXXXX account from my credit file. I demand that Equifax send a copy of my updated credit report reflecting this correction through the CFPB portal. I demand a clear explanation of why your original response ignored the identity theft documentation I submitted. If this issue is not resolved promptly and in accordance with federal law, I will escalate this matter with : A direct complaint to the Federal Trade Commission ( FTC ) Civil litigation against Equifax for FCRA violations Potential involvement of state and federal consumer protection attorneys I will not accept a generic response. This is a legal demand backed by binding federal law. I expect resolution within 7 business days. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14408608 about?
Complaint #14408608 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-07-01T12:00:00-05:00.
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.