Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a formal complaint against TransUnion, Experian, and Equifax for their repeated violations of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ), including fraudulent investigation practices, refusal to remove fraudulent accounts, and the use of stall tactics to obstruct my legally protected right to dispute inaccuracies on my credit report. 

Summary of the Complaint Failure to Conduct a Proper Investigation ( FCRA XXXX ( a ) ( XXXX ) ) I have submitted multiple disputes to TransUnion, Experian, and Equifax regarding fraudulent accounts opened in my name due to identity theft, backed by legally sufficient identity theft reports, proof of identity, and supporting documentation. 
Despite providing this evidence, the bureaus verified disputed accounts within mere hours, demonstrating a lack of any real investigation. This is a clear violation of FCRA requirements that demand a reasonable reinvestigation. 
Automatic " Verification '' of Disputed Accounts Without Supporting Evidence ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) The credit bureaus have refused to provide documentation proving how these accounts were verified. 
Instead of demanding proof from furnishers, they have engaged in automated rubber-stamping of disputes, which is not a legally compliant reinvestigation. 
Use of Stall Tactics and XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA XXXX ( a ) ( XXXX ) ) Each bureau has sent stall letters and emails falsely claiming that my disputes originated from a credit repair service, despite the fact that I personally submitted all disputes. 
This baseless accusation is an attempt to delay my legal right to dispute inaccuracies and prevent a fair investigation. 
Failure to Remove Fraudulent Accounts Despite Identity Theft Evidence ( FCRA XXXX ( a ) ) I provided each bureau with a formal identity theft report along with my dispute, yet they continue to allow fraudulent accounts to remain on my credit report. 
Under FCRA XXXX ( a ), credit bureaus are legally required to block fraudulent accounts once an identity theft report is submitted. The bureaus refusal to comply has directly harmed my creditworthiness. 
Harm Caused by the Credit Bureaus ' Misconduct I have suffered financial harm, stress, and reputational damage due to the credit bureaus ' failure to uphold consumer protection laws. 
The presence of fraudulent accounts on my credit report has negatively impacted my ability to obtain loans, housing, and employment opportunities. 
The bureaus ' deliberate negligence and refusal to investigate disputes in good faith have resulted in ongoing financial instability. 
Formal Request for CFPB XXXX I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : Launch an official investigation into TransUnion, XXXX, and XXXX for their illegal dispute-handling practices. 
Require the bureaus to immediately remove all fraudulent accounts from my credit report as required by FCRA XXXX. 
Impose fines and regulatory sanctions against these credit bureaus for their systemic violations of consumer protection laws. 
Enforce stricter oversight of sham reporting practices where accounts are automatically marked as " verified '' without a proper investigation. 
Mandate that the bureaus provide consumers with actual verification documents rather than allowing furnishers to provide unverifiable claims. 
Attached Evidence I am including the following supporting documents as evidence of the credit bureaus ' violations : Copies of my original dispute letters sent to TransUnion, XXXX, and XXXX XXXX of their stall letters and email responses falsely accusing me of using credit repair services Identity Theft Report confirming I was a victim of fraud A list of fraudulent accounts and supporting documentation proving they were opened without my consent The failure of the credit bureaus to investigate consumer disputes properly is a blatant violation of federal law. I urge the CFPB to take immediate regulatory action and hold these agencies accountable.

Company response to consumer: Closed with non-monetary relief