Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14511305
Complaint Overview
Complaint ID: 14511305
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: 11412
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the victim of identity theft. On XX/XX/year>, I filed a police report with the XXXX ( XXXX XXXX, Complaint Report No. XXXX ) after discovering multiple fraudulent accounts and credit inquiries on my Experian credit report. These accounts were opened without my knowledge or consent and include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Inquiry ) I submitted all legally required documentation to Experian through their upload portal, including : My XXXX Identity Theft Report A copy of my valid New York State Driver License A utility bill confirming my current address Despite this, Experian denied my request, claiming I did not provide sufficient proof of identity. This is false. I believe Experian is willfully ignoring FCRA Section 605B, which requires them to block fraudulent data from my report within 4 business days of receiving valid documentation. This delay is obstructive and has caused additional stress and harm.
Frequently Asked Questions
What is Complaint #14511305 about?
Complaint #14511305 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 2025-07-07T12:00:00-05:00.
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.