Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint because I am a confirmed victim of identity theft ( FTC Identity Theft Report # XXXX ) and my personal and financial information has been fraudulently used without my consent. 
Despite my legal notifications and documented disputes to Experian, Equifax, and TransUnion, these agencies : Have continued to report fraudulent accounts and inquiries. 

Have failed to block or suppress identity theft-related data as required under FCRA 1681c-2. 

Have violated my privacy rights under the FTC XXXX, FCRA, and CFPB Identity Theft Protections. 

Failed to correct or delete inaccurate personal information despite lawful dispute letters. 

In addition, certain actions and omissions by these companies constitute privacy breaches and unlawful data practices, which rise to the level of identity theft and expose me to financial, emotional, and reputational harm. 

Supporting Documentation : FTC Identity Theft Report # XXXX Dispute letters sent to Experian, Equifax, and TransUnion ( dated XX/XX/year> ) Proof of Correct Personal Information submission Full list of fraudulent accounts and inquiries ( Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ) Violations Committed : XXXX. Fair Credit Reporting Act ( FCRA ) Violations Failure to block identity theft information after receipt of a valid FTC Identity Theft Report and sworn statement ( FCRA 1681c-2 ). 

Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) ).

Failure to correct or delete inaccurate information upon notice ( FCRA 1681i ).

Reporting information known to be false ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ).

2. Fair Debt Collection Practices Act ( FDCPA ) Violations Unauthorized communications without consent ( FDCPA 1692c ).

Failure to provide timely notice of debt validation rights ( FDCPA 1692g ( a ) ).

Harassment and abusive tactics through continuous false reporting ( FDCPA 1692d ( 2 ) ).

3. Privacy and Data Security Violations Failure to protect my confidential data and prevent misuse ( FCRA 1681b ; FTC Privacy Rule ). 

Unauthorized sharing or mishandling of personal information ( CFPB and FTC privacy protections ). 

Specific Accounts and Inquiries Involved : Fraudulent Accounts : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX XXXX XXXX 

Fraudulent Inquiries : Bank XXXX XXXX ( multiple dates ), XXXX XXXX, others. 

Incorrect personal data : XXXX address, name, and SSN details ( despite corrected personal information notice ). 

Harm Suffered : Because of the violations listed above : I have suffered emotional distress, damage to my creditworthiness, denial of new credit opportunities, and breaches of my financial privacy. 

I continue to experience stress and financial harm because these bureaus refuse to honor federal protections afforded to victims of identity theft.

Company response to consumer: Closed with non-monetary relief