Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
CFPB Complaint FCRA Violations ( 605B, 605C, 607, 611 ) Subject : FINAL REQUEST FOR MANUAL REINVESTIGATION, IDENTITY THEFT BLOCKING, AND XXXX XXXXRELATED REMOVALS Nature of the Complaint : I am submitting a formal complaint regarding continued reporting of fraudulent and unverifiable information on my credit report, despite multiple disputes, identity theft filings, and XXXX  XXXX  documentation. This complaint involves TransUnion, Equifax, and XXXX  and concerns violations of the Fair Credit Reporting Act ( FCRA ) under sections 605B, 605C, 607 ( B ), 611 ( A ), and 611 ( A ) ( 7 ). 

XXXX  & IDENTITY THEFT DOCUMENTATION ALREADY PROVIDED TO BUREAUS : FCRA 605C Self-Attestation Form verified by : Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXXXXXX XXXX XXXX Period : XX/XX/XXXX XX/XX/XXXX FTC Identity Theft Report IDs : XXXX & XXXX Police Report # : XXXX Fraud Incident Involving Returned Checks : {$4600.00} in confirmed losses Security Freezes in Place at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Change of Address Alerts : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Multiple alerts identified ) ITEMIZED DISPUTES & INCONSISTENCIES : XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Appears only on Equifax missing from TransUnion and XXXX, which is highly irregular for a major line of credit. 

Equifax shows a balance of {$130000.00} and a past due amount of {$31000.00} marked 120 days late, yet no trace exists on the other XXXX bureaus. 

Equifax reports : XXXX XXXX : {$0.00} High Credit : {$100000.00} Monthly Payment : {$890.00} Status : Open illogical given the high balance and no credit limit. 

A Consumer Disputes Reinvestigation in Progress comment appears only on Equifax, indicating no coordinated dispute processing. 

These contradictions point to a file merge error, identity theft, or verification failure. 

XXXX. Public Record : XXXX  XXXX Bankruptcy ( TransUnion Only ) Reported by TransUnion : Filed XX/XX/XXXX, Dismissed XX/XX/XXXX. 

Not Reported by XXXX  or Equifax highly unusual for a federal bankruptcy which typically appears across all three bureaus. 

TransUnion 's record lists {$0.00} liability, {$0.00} asset value, and no exempt amounts, raising concern of improper verification or fraudulent filing. 

Security freezes at XXXX, XXXX, and XXXX make third-party verification impossible. If TransUnion did not verify directly with the courthouse ( which does not report to CRAs ), this record is unverifiable. 

FCRA VIOLATIONS COMMITTED : 605B Failure to block identity theft-related information 605C Failure to remove items after XXXX  XXXX  determination 607 ( B ) Failure to follow procedures ensuring maximum accuracy 611 ( A ) Failure to reinvestigate disputed information 611 ( A ) ( 7 ) Failure to provide Method of Verification when requested

Company response to consumer: Closed with explanation