Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a confirmed victim of identity theft and an affected party in the XXXX Equifax Data Breach, which exposed my personal information XXXX XXXX Since XX/XX/XXXX, multiple fraudulent accounts and inquiries have been placed on my credit reports without my authorization. Despite notifying all three nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) and providing supporting documentation, the credit bureaus continue to report inaccurate, unverifiable, and fraudulent data in violation of the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts & Identity Theft Incidents According to my FTC Identity Theft Report ( submitted XX/XX/XXXX ), the following fraudulent accounts were opened in my name without consent : XXXX XXXX Account No. XXXX Fraudulent charges : {$3400.00} XXXX  XXXX XXXX XXXX XXXX Account No. XXXX Fraudulent charges : {$4500.00} XXXX XXXX XXXX XXXX Account No. XXXX Fraudulent charges : {$1300.00} XXXX XXXX XXXX XXXX Account XXXX. XXXX Fraudulent charges : {$700.00} XXXX XXXX Additional fraudulent inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these accounts, and they were created as a direct result of identity theft. 

Inaccurate & Unverifiable Personal Identifiers The credit bureaus are also reporting incorrect personal identifiers that do not belong to me. These errors create confusion and increase the risk of further fraud : Incorrect Names : XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX variations of my address ( instead of XXXX, CO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me, are undeliverable by XXXX, and must be permanently deleted. 

Legal Basis The credit reporting agencies are in violation of : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy of consumer information. 

FCRA 1681i ( a ) Failure to reinvestigate disputes and correct errors in a reasonable timeframe.

FCRA 1681i ( a ) ( 5 ) Requirement to delete unverifiable or inaccurate data.

FCRA 611 & 623 ( a ) ( 2 ) Reporting unverifiable and fraudulent information after notification constitutes willful noncompliance.

Additionally, the continued reporting of fraudulent accounts and false identifiers after my formal disputes constitutes willful disregard of consumer rights under federal law.

Compliance & Remedy Sought I respectfully request the CFPB to require Equifax, Experian, and TransUnion to : Permanently delete all fraudulent accounts associated with my identity theft.

Correct and remove all inaccurate addresses and names from my credit reports.

Cease any delays in processing my disputes under the pretext of third-party assistance ( credit repair ). As explicitly stated in my dispute letters, I am exercising my right to dispute inaccuracies with or without advisor assistance XXXX XXXX Provide written confirmation of deletions and corrections in compliance with FCRA and XXXX XXXX reporting standards. 

Implement heightened verification safeguards on my credit profile to prevent reinsertion of fraudulent or unverifiable data due to my victim status in the Equifax Data Breach XXXX XXXX. 

Supporting Documentation Attached FTC Identity Theft Report ( Report No. XXXX ) XXXX  XXXX Equifax, Experian, and TransUnion Dispute Letters ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Proof of Identity ( Drivers License, Social Security Card provided for verification only ) XXXX  XXXX Equifax Data Breach Settlement confirmation XXXX XXXX Closing Statement The ongoing failure of Equifax, Experian, and TransUnion to comply with the FCRA has caused me financial harm, unnecessary XXXX, and increased vulnerability to further identity fraud. I request the CFPBs immediate intervention to enforce compliance, restore the accuracy of my consumer reports, and protect my rights as guaranteed by federal law.

Company response to consumer: Closed with explanation