Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am a victim of identity theft, which has resulted in unauthorized inquiries and fraudulent collection accounts appearing on my credit reports from Equifax, Experian, and TransUnion. On XX/XX/XXXX, I sent formal dispute letters to each of the three credit bureaus ( Equifax, Experian, and TransUnion ) contesting this inaccurate information in accordance with 15 U.S.C. 1681c-2 and requesting the immediate blocking of the erroneous data. I enclosed a copy of my FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four business days of receiving the report.

Despite these submissions, the credit bureaus have failed to block the fraudulent inquiries and accounts within the required timeframe, nor have they removed them from my credit reports. These items are the result of identity theft and are not associated with me, as my credit reports contain fraudulent accounts and inquiries stemming from the unauthorized use of my personal information. I have notified the Federal Trade Commission and filed a complaint, with the FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXX ) enclosed in my dispute packets, which were sent via fax and certified mail. This report confirms the fraudulent nature of these items and supports my claim that they have caused severe financial stress, including damage to my creditworthiness. 
The bureaus ' failure to act promptly violates the Fair Credit Reporting Act ( FCRA ) by not blocking the information resulting from identity theft and not conducting a reasonable investigation to verify the accuracy of these items. I demand the immediate removal of these fraudulent accounts and inquiries from my credit reports. 
The disputed items appearing on my credit reports are as follows : Equifax : Unauthorized Inquiry : XXXX Date : XX/XX/XXXX The inquiry was not authorized. 
Fraudulent Account : 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  Identity Theft. 

The bureaus ' noncompliance has perpetuated harm to my credit profile, violating federal laws designed to protect consumers from identity theft. I demand that the CFPB investigate this matter and hold Equifax, Experian, and TransUnion accountable for their violations across all three bureaus.

Company response to consumer: Closed with explanation