Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
RE : FORMAL DEMAND FOR CORRECTION OF INACCURATE REPORTING VIOLATIONS OF FCRA & TILA Victim of Data Breach Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX RE : Unauthorized Inquiries Dear Sir or Madam : I am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Equifax Inquiries to be Deleted : 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 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 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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, concerning Experians continued misreporting of a fully paid and closed auto loan in my consumer credit file. 

SUMMARY OF ISSUES : Fraudulent Accounts reporting and fraudulent inquiries on my credit reports Such language falsely implies an unresolved or disputed debt and directly violates both the spirit and letter of FCRA 1681e ( b ) and 1681i ( a ), which require : Maximum possible accuracy in reporting ; Proper reinvestigation of disputed items ( 1681i ( a ) ( 1 ) ) ; Removal or correction of unverifiable/inaccurate data ( 1681i ( a ) ( 5 ) ) ; Elimination of misleading dispute language when the dispute is complete or lacks proper verification.

In addition, under 15 U.S.C. 1666b, consumer payments must be applied and reflected in reporting within four ( 4 ) business days. Yet over two years later, Experian still displays incomplete or false information.

CONTEXTUAL RISK RELEVANT DATA BREACH : The seriousness of this inaccuracy is heightened by the recent exposure of over XXXX XXXX login credentials across XXXX, XXXX, XXXX, XXXX, and even government accounts. A cybersecurity researcher uncovered an unsecured, public database that contained plaintext passwords and sensitive login information, including access to government portals. 
This breach has placed millions of consumersmyself includedat heightened risk for identity theft and reputational harm. Given this context, continued publication of inaccurate credit information compounds the exposure risk, violates FCRAs duty of care, and opens Experian to further scrutiny under evolving federal oversight. 



LEGAL FOUNDATION : Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) affirms that CRAs must conduct independent investigations and can not rely solely on furnishers. 
CFPB v. Experian ( XXXX, XXXX XXXX. XXXX ) specifically alleges repeated failure to correct known errors, flawed internal procedures, and misleading notations, in direct alignment with the conduct described here. 
12 U.S.C. 5536 and 5565 of the Consumer Financial Protection Act authorizes penalties for unfair, deceptive, or abusive acts or practices ( UDAAPs ).

DEMAND FOR RELIEF ( RESPONSE REQUIRED WITHIN FOUR [ 4 ] CALENDAR DAYS ) : You are hereby instructed to : 1. Remove all misleading remarks 2. Delete accounts and inquiries submitted Produce documentation showing all communications with the furnisher and steps taken during your reinvestigation ; 4. Delete all unverifiable or inaccurate information in compliance with 15 U.S.C.
1681i ( a ) ( 5 ). 
Failure to comply will result in formal complaints being filed immediately with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General And pursuit of all remedies available under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

This notice is made in good faith and with full reservation of rights under state and federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief