Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am formally requesting that the California Department of Financial Protection and Innovation ( DFPI ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of California state law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the California Consumer Credit Reporting Agencies Act ( CCCRAA ) and associated state statutes, constituting further violations.

Violations Committed by the Bureaus : California Civil Code 1785.14 ( b ) : Failure to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports.

California Civil Code 1785.16 ( a ) : Failure to investigate consumer disputes within the required 30-day timeframe.

California Civil Code 1785.16 ( b ) : Failure to conduct reinvestigations and report results to the consumer.

California Civil Code 1785.25 ( a ) : Furnishing information known to be inaccurate.

California Civil Code 1798.82 : Failure to safeguard consumer personal information and provide proper notification in case of a data breach.

California Penal Code 530.5 : Identity theft and unauthorized use of personal identifying information.

California Civil Code 1785.16 ( k ) : Failure to provide fraud alerts and appropriate victim assistance.

Noncompliance with Metro2/CDIA Standards : Violations of industry-standard credit reporting guidelines.

California Consumer Legal Remedies Act ( CLRA ) Civil Code 1770 : Misrepresentation and unfair business practices affecting consumers.

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : Unauthorized Inquiries ( Remove Immediately ) : Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681b : Lack of permissible purpose CCCRAA 1785.11 ( a ) : Impermissible access to credit file CCPA 1798.120 : Unauthorized collection of consumer data Incorrect Personal Information ( Must Be Corrected Immediately ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), CCCRAA 1785.14 ( b ), CCPA 1798.105 Requested Relief from the DFPI : Immediate enforcement for deletion and permanent blocking of fraudulent and inaccurate accounts.

Removal of all unauthorized hard inquiries.

Correction of all inaccurate personal information ( addresses, employers, names ).

Updated credit reports from all three bureaus confirming these corrections.

Implementation of identity theft protections including fraud alerts and security freezes under California law.

Sanctions or penalties against the bureaus for failure to comply with California Civil Code 1785 et seq.

Enforcement of consumers ' rights under the California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ) as applicable.

Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters to the creditors Declaration : I affirm, under penalty of perjury under the laws of the State of California, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and furnishers, I respectfully request urgent intervention from the DFPI to enforce California law, protect my rights as a consumer, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief