Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am filing this urgent and aggressive complaint under the authority granted by the Fair Credit Reporting Act ( FCRA ) to demand the immediate and permanent blocking and deletion of fraudulent information from my credit reports maintained by Equifax Information Services LLC ( XXXX XXXX XXXX XXXX  GA XXXX ), Experian Information Services ( XXXX. XXXX XXXX XXXX TX XXXX ), and TransUnion LLC ( XXXX XXXX XXXX XXXX PA XXXX ). These credit reporting agencies ( CRAs ) have repeatedly and willfully violated multiple FCRA provisions, including 15 U.S.C. 1681c-2 ( failure to block identity theft-related information ), 1681i ( failure to conduct reasonable reinvestigations ), 1681e ( b ) ( failure to maintain reasonable procedures for accuracy ), and 1681i ( a ) ( 5 ) ( B ) ( illegal reinsertion without required notice ). Their reckless and ongoing misconduct has caused severe harm to my credit score ( dropping over XXXX points from reinsertions alone ), financial opportunities, emotional distress, and unnecessary hardship. I will not tolerate this any longer and demand CFPB intervention to enforce compliance, impose penalties, and ensure these fraudulent items are never reinserted. 
The following accounts are entirely fraudulent, resulting from identity theft via a data breach that compromised my personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was previously deleted as fraudulent following my disputes, but was illegally reinserted in XXXX without the mandatory 5-business-day written notice required by FCRA 1681i ( a ) ( 5 ) ( B ). I made payments under extreme duress solely to mitigate harassment and further damage while fighting the fraud ; these do not acknowledge the debt as mine. The CRAs ' failure to permanently block this after receiving my FTC report constitutes willful non-compliance. 

XXXX XXXX XXXX ( Collection Account, originally claimed from TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Fraud Began : Unknown ( result of identity theft ) Date Discovered : Approximately XXXX Total Fraudulent Amount : As reported ( unauthorized and unverifiable ) This collection is 100 % fabricated and has no connection to me. XXXX has provided no legitimate proof of assignment, contract, or debt validity. Despite prior disputes and deletions from some bureaus, it persists or has been reinserted without notice, violating FCRA requirements for verification and blocking. 


Under FCRA 1681c-2, upon receipt of my valid FTC Identity Theft Report ( # XXXX ), the CRAs are obligated to block this information within four business days and notify furnishers. They have failed to do so repeatedly, despite my multiple submissions via certified mail, online portals, and prior CFPB/FTC complaints XXXX This is not mere negligenceit 's a pattern of willful violations, as evidenced by prior successful deletions followed by unauthorized reinsertions without verification or notice. I demand : Immediate and permanent blocking and deletion of these accounts from all my credit reports, with no possibility of reinsertion unless verified with irrefutable evidence ( which does not exist, as they are fraudulent ). 
Provision of updated credit reports to me at no cost, confirming deletion. 
A full investigation by the CFPB into the CRAs ' non-compliance, including imposition of maximum penalties under FCRA 1681n ( willful violations ) and 1681o ( negligent violations ), such as {$1000.00} statutory damages per violation, actual damages for my losses, and punitive damages. 
Enforcement to prevent future reinsertions, including requiring the CRAs to implement safeguards and notify me of any attempted reporting. 

Enclosed are supporting documents : Copy of my government-issued identification. 
Copy of my FTC Identity Theft Report ( # XXXX ) and/or sworn fraud affidavit. 

Failure to resolve this within the 30-day period mandated by CFPB will result in further escalation, including federal lawsuits for damages, injunctive relief, and attorney 's fees. The CRAs ' actions violate not only FCRA but also my rights under the Gramm-Leach-Bliley Act ( GLBA ) for mishandling sensitive data and federal privacy statutes. I expect swift CFPB action to hold them accountable

Company response to consumer: Closed with non-monetary relief