Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Complaint Division Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Subject : Formal Complaint for Willful Violations of Federal Law ( FCRA ) Complaint Summary This formal complaint is being submitted against TransUnion, Equifax, and Experian for willful violations of the Fair Credit Reporting Act ( FCRA ) and related federal law. Despite my previous written disputes, these consumer reporting agencies have continued to report inaccurate, unauthorized, and unverifiable information. Each has failed to conduct a lawful and reasonable reinvestigation as required under federal law, resulting in continued harm to my financial reputation. 
Specific Disputed Items Experian XXXX Balance {$4100.00} ; reported as XXXX potentially negative months. 
XXXX XXXX XXXX ; XXXX late payments reported ; balance {$5500.00} ( original balance {$12000.00} ). 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Collection account ; balance {$580.00}. 
XXXX XXXX Balance {$5600.00} ; XXXX potentially negative months; reported as a collection account. 
TransUnion XXXX XXXX {$2600.00} ; reported XX/XX/XXXX. 
XXXX XXXX Balance {$330.00} ; reported XX/XX/XXXX. 
XXXX Balance {$130.00} ; reported XX/XX/XXXX. 
XXXX ( XXXX XXXX XXXX XXXX Balance {$810.00} ; reported XX/XX/XXXX. XXXX XXXX XXXX XXXX ; balance {$9500.00} ; late payment history reported. 
U.S. Bankruptcy Court XXXX XXXX Bankruptcy filing, filed XX/XX/XXXX. 
Equifax XXXX Balance {$2600.00} ; reported XX/XX/XXXX. 
XXXX Balance {$330.00} ; reported XX/XX/XXXX. 
XXXX Balance {$130.00} ; reported XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX {$810.00} ; reported XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ; balance {$9500.00} ; late payment history reported. 
Bankruptcy Record U.S. District Court XXXX XXXX ; dismissed ; filed XX/XX/XXXX. 
Basis of the Complaint Failure by TransUnion, Equifax, and Experian to properly reinvestigate after valid disputes were submitted. 
Continued reporting of unauthorized, inaccurate, and unverifiable accounts. 
Negligence in verifying the legitimacy and origin of data provided by furnishers. 
Violation of the FCRAs requirement to maintain maximum possible accuracy and promptly update disputed records. 
Continued publication of false information despite notification of errors and supporting documentation. 
Relief Sought I request that the CFPB investigate these violations and enforce corrective actions against all three consumer reporting agencies. This includes immediate removal or suppression of all disputed and unverifiable accounts listed below, correction of my consumer credit file, and any further actions necessary to ensure compliance with federal law. 
Declaration Under 26 U.S.C. 1746 I, XXXX XXXX, declare under penalty of perjury, pursuant to 26 U.S.C. 1746, that the statements made in this complaint are true and correct to the best of my knowledge, information, and belief. 
Executed on this XXXX XXXX  of XXXX, XXXX at XXXX, Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation