Consumer complaint received 2025-09-23 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: DE

Complaint narrative:
XXXXUNITED STATESXXXXConsumer Financial Protection BureauXXXXWashington, D.C.XXXXIN RE:XXXX XXXX XXXXConsumer ComplainantXXXXExperian Information Solutions, Inc.XXXXTransUnion LLCXXXXEquifax Information Services, LLCXXXXXXXXCONSOLIDATED CFPB COMPLAINT FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACTXXXXCourt File XXXX XXXX XXXX XXXX XXXX XXXX XXXX (StampedXX/XX/XXXXXX/XX/XXXXINTRODUCTIONXX/XX/XXXXThis consolidated complaint is filed against Experian, TransUnion, and Equifax for willful and systemic violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq. Despite being properly served with FTC Identity Theft ReportXX/XX/XXXX (filed XX/XX/XXXX) and certified notice, each bureau has engaged in misconduct that includes unauthorized fraud blocks, unlawful reinsertion of accounts, refusal to remove identity theft tradelines, and reckless handling of my credit file. These violations have caused measurable harm, including an XXXX-point score drop and denial of fair access to creditXXXXSTATEMENT OF FACTSXXXX1. Unauthorized Fraud Blocks (All Three Bureaus)XXXXWithout any request, consent, or notification, Experian, TransUnion, and Equifax placed fraud alerts/blocks on my credit fileXXXXThis violates FCRA 605A (fraud alerts may only be placed at the consumers request) and XXXX (consumer notice requirement)XXXXThese unauthorized blocks delayed access to credit, hindered disputes, and unlawfully restrained my credit file.XXXX  TransUnionXXXXOn XX/XX/XXXX, TransUnion deleted and then reinserted a XXXX tradeline without providing the reinsertion notice required by 611(a)(5)(B).XXXXOnXX/XX/XXXX, TransUnion altered XXXX XXXX account remarks (Closed by credit grantor  Purchased by another lender) without producing furnisher certification or reinvestigation resultsXXXXThese manipulations caused an XXXXpoint score drop, documented in Court File XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax\XXXXEquifax deleted XXXX XXXX  but refused to remove XXXX despite my FTC Identity Theft Report and disputes.XXXXEquifax destabilized XXXX XXXX reporting, resulting in a score loss of XXXX XXXXNo furnisher certifications were provided to justify retention of disputed tradelines.XXXX ExperianXXXXExperian placed a fraud block on my file without my consent or request.XXXXIn response to my disputes, Experian demanded unauthorized extra documentation (utility bills, Social Security card, law enforcement badge numbers, etc.), contrary to FCRA 605B.XXXXFraudulent accounts, including XXXX XXXX XXXX XXXX, remain on fileXXXXVIOLATIONS OF LAWXXXXFCRA 605A & 609  Unauthorized fraud alerts/blocks placed without consumer consent or notification.XXXXFCRA 605B  Failure to block identity theft tradelines within 4 business days after receiving FTC Identity Theft Report.XXXXFCRA 611  Failure to reinvestigate disputes within 30 days and provide lawful notice of deletions, reinsertions, or remark changes.XXXXFCRA 607(b)  Failure to maintain reasonable procedures to assure maximum possible accuracy.XXXXDEMANDS FOR RELIEFXXXXI respectfully request the CFPB to order Experian, TransUnion, and Equifax toXXXX Immediately remove all fraudulent tradelines including XXXX XXXX XXXX XXXX XXXX Provide documentary proof of any furnisher certifications used to justify reinsertions or remark changes.XXXX Restore all credit scores to pre-violation levels and confirm in writing.XXXX Cease unauthorized fraud alerts/blocks on my file.XXXX Preserve all records relevant to my disputes and file for litigation.XXXXNOTICE OF LITIGATION HOLDXXXXRespondents are ordered to preserve all electronically stored information XXXX paper records, Metro-2 transmissions, dispute notes, and communications with furnishers/vendors related to my file. Spoliation will be treated as willful misconduct.XXXXRespectfully submitted,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDated: XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXDelaware Attorney General  XX/XX/XXXXU.S. Senate Banking Committee  XX/XX/XXXXU.S. House Financial Services Committee  XX/XX/XXXXExhibit A  TransUnion Score Drop XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation