Consumer complaint received 2025-11-06 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 False Collection Account Reporting After Identity Theft Notice Complainant : XXXX XXXX P.O. XXXX XXXX XXXX XXXX, IL XXXX Respondents : - TransUnion LLC - Equifax Information Services, LLC - Experian Information Solutions , Inc.

Summary of Complaint This complaint is filed against TransUnion, Equifax, and Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite receiving my FTC Identity Theft Report, affidavit, and formal disputes regarding a fraudulent XXXX XXXX collection account, these credit bureaus continue to publish and verify this false information on my credit reports. 
The account in question was opened and used without my knowledge or consent. It represents a clear case of identity theft. Each bureau was properly notified under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires removal of fraudulent information within four business days of receiving valid identity theft documentation. To date, no deletion or verification evidence has been provided, and the false tradeline remains active or marked as verified as accurate.

Legal Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Blocking Upon receipt of an identity theft report, a consumer reporting agency must block and delete any information resulting from identity theft within four business days. Violation : Each bureau failed to block and remove the XXXX XXXX collection despite my timely and valid documentation. 
FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation Credit bureaus must reinvestigate disputes and delete any item that can not be verified. Violation : The bureaus verified this fraudulent account without providing documentation of any investigation or proof of authorization from XXXX XXXX. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Assure Maximum Possible Accuracy Consumer reporting agencies must ensure data accuracy through reasonable procedures. Violation : Reporting unverifiable and fraudulent information constitutes a willful failure to comply with this provision.

FCRA 623 ( a ) ( 6 ) ( B ) Duty of Furnishers After Notice of Identity Theft Once notified, furnishers are prohibited from continuing to report disputed information that results from identity theft. Violation : Each bureau continues to accept and display data furnished by XXXX XXXX, in violation of the FCRA. 
FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ) False or Misleading Representations By publishing an illegitimate debt as valid, the bureaus facilitate unlawful collection efforts and mislead third parties.

CFPB Regulation V, 12 C.F.R. 1022.43 ( b ) ( 2 ) Agencies must provide a full, written explanation of the steps taken during any reinvestigation, including the method of verification. Violation : None of the bureaus provided such documentation.

Harm Suffered As a direct result of these unlawful acts : - I have been denied housing and financial services.

- My creditworthiness and reputation have been damaged.

- I have experienced emotional distress, financial losses, and repeated administrative burdens from re-filing disputes.

Requested Relief 1.Compel TransUnion, Equifax, and Experian to immediately and permanently delete the XXXX Insurance collection account.

2.Cease reporting or redistributing any data linked to this fraudulent account.

3.Provide written confirmation of deletion and an updated credit report.

4.Order statutory and actual damages under FCRA 616 , 617 and FDCPA 813.

5.Initiate enforcement action for systemic failure to comply with FCRA 605B ( identity theft blocking ).

6.Refer this case to the FTC and CFPB Enforcement Division for investigation into these bureaus ongoing discriminatory reporting practices. 

Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief