Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondents Equifax Information Services LLC Experian Information Solutions , Inc .

TransUnion LLC Furnishers including but not limited to : Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint This complaint concerns systemic violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) arising from the continued reporting, reinvestigation, and furnishing of fraudulent accounts and unauthorized inquiries resulting from identity theft, despite proper notice, documentation, and statutory blocking requirements.

Summary of Violations 1. Failure to Block Identity Theft Information 605B I submitted a valid Identity Theft Report as defined under 15 U.S.C. 1681a ( q ) to each consumer reporting agency.

Under 15 U.S.C. 1681c-2 ( 605B ), the CRAs were required to : Block the identified fraudulent information within four business days Notify all furnishers of the block Prevent re-reporting unless strict statutory conditions were met The CRAs failed to block and/or allowed reappearance of the same fraudulent tradelines and inquiries, in direct violation of 605B.

2. Reporting of Information Known or That Should Be Known to Be Inaccurate 623 ( a ) ( 1 ) ( A ) Furnishers continued reporting accounts after receiving : Notice of identity theft FTC Identity Theft Report CRA dispute notifications This constitutes unlawful furnishing of information known or that should have been known to be inaccurate, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

3. Failure to Conduct Reasonable Reinvestigations 611 The CRAs failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) by : Merely parroting furnisher responses Failing to verify original contracts, applications, or signatures Ignoring sworn identity theft documentation Automated verification procedures do not satisfy the statutory reasonableness standard established by 611.

4. Failure to Mark Accounts as Disputed 623 ( a ) ( 3 ) Despite active disputes, multiple accounts were reported without proper dispute notation, violating 15 U.S.C. 1681s-2 ( a ) ( 3 ) and misleading downstream users of my credit file.

5. Unauthorized Hard Inquiries 604 Several inquiries were placed without a lawful permissible purpose.

Under 15 U.S.C. 1681b ( 604 ), access to a consumer report requires demonstrable authorization.

Neither the CRAs nor furnishers produced : A signed application Proof of consumer-initiated credit transaction Any valid permissible purpose documentation These inquiries therefore constitute unauthorized access to a consumer report.

6. Insertion of Previously Blocked Information 605B ( c ) Any reinsertion of blocked information requires : Written certification of accuracy Consumer notice within 5 business days No such certification or notice was provided, violating 15 U.S.C. 1681c-2 ( c ).

7. Failure to Maintain Reasonable Procedures 607 The CRAs failed to maintain reasonable procedures to assure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ), by continuing to publish demonstrably false information tied to identity theft.

8. Willful and Negligent Non-Compliance 616 & 617 The repeated failures outlined above constitute both : Willful non-compliance under 15 U.S.C. 1681n Negligent non-compliance under 15 U.S.C. 1681o Given the volume, duration, and documentation provided, these violations exceed mere error and rise to systemic disregard of statutory duties.

Relief Requested I respectfully request that the CFPB : 1. Require immediate deletion of all identity-theft-related tradelines and inquiries 2. Prohibit reinsertion absent strict 605B certification 3. Compel written confirmation of compliance from each CRA 4. Require furnishers to permanently cease reporting the disputed accounts 5. Initiate supervisory or enforcement review for repeated FCRA violations Supporting Documentation Equifax, Experian, and TransUnion dispute letters Identity Theft Report Credit reports with disputed items highlighted Prior furnisher notices ( See attached records )

Company response to consumer: Closed with non-monetary relief