Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
Experian : You are knowingly reporting fraudulent, identity theft-related information on my credit file in violation of federal law. This is not a request- it is a final demand for immediate deletion.

You are already aware that the Consumer Financial Protection Bureau ( CFPB ) has taken enforcement action against Experian for misleading consumers and failing to properly investigate disputes. Your history of willful FCRA violations is public record.

FACT : Under 15 U.S.C. 1681c-2, you are required to block all identity theft-related information within 4 business days of receiving proof. I have provided proof of my identity, an FTC Identity Theft Affidavit, and a police report. You have no legal basis to continue reporting these fraudulent accounts.

Your willful violations include : - 15 U.S.C. 1681i - Failure to conduct a lawful reinvestigation - 15 U.S.C. 1681c-2 - Failure to block identity theft-related information - 15 U.S.C. 1681n & 1681o - Willful and negligent noncompliance If you claim you " verified '' these fraudulent accounts, you must, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), provide a full procedural description of your investigation, the name and contact information of the furnisher, and the method of verification.

If you do not comply within 14 calendar days, I will : 1. File a formal CFPB complaint specifically citing your previous enforcement violations.

2. File an FTC complaint for willful FCRA noncompliance.

3. Notify my State Attorney General of your unlawful practices.

4. Pursue civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n.

This is your final opportunity to avoid further liability. Remove the fraudulent accounts, send me written confirmation, and provide an updated credit report immediately.

Equifax : This letter puts Equifax on notice : you are knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts resulting from identity theft.

Equifax has a documented history of gross negligence and mishandling consumer data, including your 2017 massive data breach that compromised the identities of over XXXX XXXX XXXX  - making you a direct contributor to the rise in identity theft. 
Federal law is clear : - 15 U.S.C. 1681c-2 requires you to block identity theft information within 4 business days upon receiving proof.

- 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information.

- 15 U.S.C. 1681n provides for punitive damages for willful violations.

Your continued reporting is reckless, willful, and unlawful. If you claim to have " verified '' these fraudulent accounts, you must provide a full investigation record under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply within 14 days will result in : 1. Formal CFPB complaint citing your breach history and enforcement actions.

2. FTC complaint for willful violation of consumer protection laws.

3. State Attorney General complaint for illegal credit reporting practices.

4. Civil litigation seeking actual damages, punitive damages, and attorney 's fees.

This is your final warning. Remove the fraudulent data immediately and send me written confirmation along with an updated report.

Transunion : This letter serves as a final legal demand for the immediate deletion of fraudulent, identity theft-related accounts you are reporting. The CFPB has publicly cited TransUnion for failing to investigate consumer disputes properly and for illegally reporting inaccurate credit data. Your continued reporting of fraudulent information is knowingly illegal and exposes you to significant legal liability.

Your actions violate : - 15 U.S.C. 1681c-2 - Failure to block identity theft information within 4 days - 15 U.S.C. 1681i - Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681n & 1681o - Willful and negligent noncompliance If you claim these accounts are " verified, '' you must, by law, provide a full procedural description of your investigation under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the furnisher 's name, contact details, and verification method.

Failure to delete these fraudulent entries within 14 calendar days will result in : 1. Filing a CFPB complaint citing your previous enforcement actions.

2. Filing an FTC complaint for willful FCRA violations.

3. Filing a State Attorney General complaint for unlawful credit reporting.

4. Pursuing civil litigation seeking maximum statutory, actual, and punitive damages.

You have been warned- delete the fraudulent data now, confirm in writing, and send me an updated credit report immediately.

Company response to consumer: Closed with explanation