Consumer complaint received 2025-09-01 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: MO

Complaint narrative:
CFPB COMPLAINT IDENTITY THEFT & FAILURE TO REMOVE FRAUDULENT DATA Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX Filed Against : Equifax Information Services XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Summary of Dispute : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) because Equifax, Experian, and TransUnion have failed to comply with the Fair Credit Reporting Act ( FCRA ) after receiving : An official FTC Identity Theft Report ( Report No. XXXX dated XX/XX/XXXX ) XXXX mailed dispute letters ( sent on XX/XX/XXXX, with supporting identity documents and itemized request for deletion ) Phone calls and written notices demanding action within the legal XXXX investigation period I have been the victim of a large-scale data breach and identity theft, and fraudulent inquiries and accounts were added to my credit report without authorization. Despite all required documentation and timely requests, the credit bureaus have not deleted these fraudulent items or corrected my personal information. 
Violations : Failure to Investigate under 15 U.S.C. 1681i Bureaus are required to conduct a reasonable investigation and delete unverifiable or inaccurate data within 30 days.

Failure to Block Identity Theft Entries under 15 U.S.C. 1681c-2 Upon receipt of an Identity Theft Report, bureaus must block the reporting of fraudulent information within 4 business days.

Continued Reporting of Known Fraudulent Data under 15 U.S.C. 1681e ( b ) Bureaus must ensure maximum possible accuracyfailure to remove fraudulent data after notice constitutes gross negligence.

Negligent and Willful Noncompliance under 15 U.S.C. 1681n & 1681o I reserve my right to seek damages due to your agencies continued harm and emotional distress. 

Specific Items for Immediate Deletion ( Examples ) : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached FTC report for full list with account numbers and dollar amounts ) Incorrect Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I demand that all three credit reporting agencies : XXXX  Permanently delete all identity theft-related accounts and inquiries listed in my attached disputes and FTC Report XXXX  Immediately correct personal information including name variations, addresses, and employer data XXXX  Send an updated and corrected credit report to my address at XXXX XXXX XXXX, XXXX XXXX MO XXXX  Notify all parties who received my report in the last six months of the corrected information XXXX  Issue written confirmation of deletion and correction for my records Attached Evidence : XXXX  FTC Identity Theft Report # XXXX ( Dated XX/XX/XXXX ) XXXX  Mailed dispute letters to Equifax, Experian, and TransUnion XXXX the fraudulent data XXXX  ID and address verification included in original mailed packages Declaration : I affirm that all the information provided is true and accurate to the best of my knowledge. I request the CFPB immediately investigate this matter and ensure the credit reporting agencies comply with federal law. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation