Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/XXXX To : Equifax Experian TransUnion From : XXXX XXXX XXXX Email : XXXX | XXXX Phone : ( XXXX ) XXXX Forwarding Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand for Permanent Removal of Fraudulent Information and Misidentification Identity Misuse from XXXX to Present To Whom It May Concern : This letter serves as my formal demand for the permanent removal of all fraudulent names, addresses, accounts, and inquiries from my credit files. This demand is directed primarily to Equifax, but it also includes Experian and TransUnion, both of whom have failed to resolve identity theft disputes that I have submitted and documented. 

Despite receiving legally valid and notarized documentation confirming my identity as XXXX XXXX XXXX, Equifax has repeatedly addressed me using the fraudulent alias XXXX XXXX in physical and electronic communications. 

Equifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Timeline of Verified Identity and Life Milestones : XX/XX/XXXX : Returned to and established permanent residence in XXXXXXXX XXXX 
XXXX : Participated in a documented custody case in XXXX XXXX XXXXXXXX. 
XXXX : Attended XXXX XXXX XXXX. 
Fall XXXX : Enrolled at XXXX XXXX ( XXXX ). 
XXXX : Employed full-time at XXXXXXXX XXXX XXXX 
XXXX : Filed federal taxes under my legal name and NY address. 

It is both legally and factually impossible for me to have lived in multiple states under multiple names while simultaneously attending school, raising a child, and working full-time in New York XXXX 



Itemized List of Fraudulent Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Itemized List of Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX, 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 Legal Framework : Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
605B : All information resulting from identity theft must be blocked upon proper documentation.

611 ( a ) : Agencies must conduct thorough reinvestigations of disputed data.

611 ( a ) ( 6 ) ( B ) ( iii ) : Consumers are entitled to the name and contact information of any data furnisher providing disputed data.

According to Social Security Administration ( SSA ) policies and federal law, a Social Security number may be linked to only one lawful name, either assigned at birth or changed through a court-ordered legal process. It is unlawful and procedurally impossible to maintain accounts or reporting data under multiple names not supported by a legal name change.

Despite these laws, Equifax continues to mismanage the handling of my identityfailing to flag gross inconsistencies and even issuing communication to a XXXX XXXX in XXXX, a name that does not appear on any credit file at Equifax, TransUnion, or Experian. This reveals serious internal gaps and failures in data handling and dispute resolution procedures. 

Furthermore, I am concerned that Equifax may have inadvertently shared my lawful home address, workplace, or other personal data with individuals or entities involved in the fraudulent use of my Social Security number. This compromises my safety, financial security, and right to privacy. 



Formal Requests ( To Be Completed Within 30 Days ) : XXXX. Permanent removal of all fraudulent names, addresses, accounts, inquiries, and related data listed in this letter. 
XXXX. A full and detailed list of furnishers, financial institutions, and data brokers responsible for the submission of fraudulent data between XXXX and XXXX, including their contact information and the verification methods used. 
XXXX. A formal, written explanation from Equifax answering : How many names are legally permitted to exist on one consumer file within a XXXX period? 
Why were two distinct names ( one verified and one fraudulent ) allowed to appear simultaneously despite prior disputes and proof? 
XXXX. Assignment of a dedicated point of contact at each bureau to handle future identity theft and dispute-related issues. 
XXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. 



Ongoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing. I am employed and working to resume my education, but I have been denied a lawful, accurate, and timely investigation, as required by the FCRA and applicable consumer protection laws. 

This letter serves as formal and final notice. I request full compliance and action on the items outlined above. All future correspondence must be sent only under my lawful name : XXXX XXXX XXXX, to the forwarding address listed above. 

Sincerely, XXXX XXXX XXXX XXXX | XXXX ( XXXX ) XXXX Physical copies of this letter will be furnished with supporting documents. Equifax response claiming illegible copies of my documents as the delay will be resolved of that concern as the same copies have been notarized at my local councilmans office and the notary has included she validates the documents to be the same ones in the printed copies. Her information is attached in that stamp and she is aware of any concerns or issues Equifax may raise and is prepared to confirm these statements. This will also be furnished to other agencies as permitted by my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation