Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16711354
Complaint Overview
Complaint ID: 16711354
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: Georgia
ZIP Code: 30092
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted a written dispute to Equifax that included my FTC Identity Theft Report and supporting documentation, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In my dispute, I identified several collection accounts that do not belong to me and provided documentation establishing that these accounts were the result of identity theft. I requested that Equifax block and delete the fraudulent accounts in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the FCRA. Equifax later mailed me a response acknowledging receipt of my dispute and confirming that the identified collection accounts would be deleted. However, as of today, Equifax has not updated my credit report to reflect these deletions. The fraudulent and inaccurate collection accounts are still being reported, which continues to negatively impact my credit profile. Under Section 605B of the FCRA, a consumer reporting agency must block identity theft-related information from a consumers file within XXXX business days of receiving an identity theft report and sufficient proof of identity. XXXX failure to remove this information within the legally required timeframe constitutes a violation of 15 U.S.C. 1681c-2. Additionally, by continuing to report inaccurate information, Equifax is also violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of the information they report.
Frequently Asked Questions
What is Complaint #16711354 about?
Complaint #16711354 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 2025-10-20T12:00:00-05:00.
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.