Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB Complaint Against TransUnion, Equifax, and Experian Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Ongoing Illegal Reporting of Fraudulent XXXX Account Despite XXXX Deletion Background I am filing this complaint against TransUnion, Equifax, and Experian for continuing to report a fraudulent XXXX account ending in XXXX. This account is the result of identity theft. I have never applied for, authorized, or consented to this account. I have previously filed identity theft reports, FTC affidavits, and cease-and-desist notices, yet the account remains on my credit reports as 'verified. ' On XX/XX/year>, XXXX, a nationwide consumer reporting agency, issued a letter ( Case ID XXXX ) confirming that the XXXX account ending in XXXX has been blocked and deleted from my XXXX credit file pursuant to identity theft protections under the Fair Credit Reporting Act ( FCRA ). This is new evidence that was not available when I filed my prior CFPB complaints. For this reason, this complaint must be treated as a new issue and not dismissed as a duplicate. 
Legal Violations The continued reporting of this fraudulent XXXX account by TransUnion, Equifax, and Experian violates multiple provisions of federal law : XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies to block and delete identity theft-related information within XXXX business days after receiving identity theft report. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) Mandates reinvestigation and deletion of information that can not be verified. 
XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX. FTC Guidance Once fraud documentation is provided, agencies must cease reporting disputed tradelines. 
Harm Suffered Because of this unlawful reporting : - I have been denied housing, bank accounts, and loans. 
- My creditworthiness and reputation have been severely damaged. 
- I have experienced emotional distress, financial loss, and reputational harm. 
Requested Relief I demand : XXXX. Immediate deletion of the XXXX account ending in XXXX from all credit reports maintained by TransUnion, Equifax, and Experian. 
XXXX. Compliance with FCRA XXXX, requiring deletion within XXXX business days. 
XXXX. A mailed copy of my updated credit reports reflecting this deletion. 
XXXX. Maximum statutory damages under the FCRA for willful and negligent violations. 
XXXX. Investigation into the discriminatory use of e-OSCAR auto-verification in place of true validation. 
Attachments - XXXX XXXX ( dated XX/XX/year> ) Proof that XXXX account # XXXX was deleted as identity theft. 
- FTC Identity Theft Report ( previously submitted ). 
- Cease-and-Desist Notices. 
Conclusion This complaint raises a new issue with new proof and must not be dismissed as a duplicate. XXXX has already confirmed this account is fraudulent and deleted it. TransUnion, Equifax, and Experian are now on clear notice and must comply with federal law by removing this tradeline immediately. 

Respectfully submitted, XXXX XXXX Signed XX/XX/year> XXXX

Company response to consumer: Closed with explanation