Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
CFPB Complaint Update / Escalation Consumer : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXXXXXX XXXXXXXX, NC XXXX Government-Issued Photo ID : XXXX FTC Identity Theft Report : XXXX Original CFPB Complaint IDs/ Filing Dates : Equifax XXXX ( Filed XX/XX/XXXX ) Experian XXXX ( Filed XX/XX/XXXX ) TransUnion LLC XXXX ( Filed XX/XX/XXXX ) Disputed XXXX XXXX Balances : TransUnion : XXXX XXXX XXXX : Account XXXX, Date XXXX : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX : Account XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} Experian : XXXX XXXX XXXX : Account XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX  : Account XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} Equifax : XXXX XXXX XXXX : Account XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX : Account XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} Background / Escalation On XX/XX/XXXX, I filed my initial CFPB complaints regarding unauthorized and inaccurate accounts reported by XXXX XXXX. 
The accounts are not related to any transaction I authorized or consented to. 
I provided proof of identity, an FTC Identity Theft Report, and identification of the disputed accounts. 
Despite this, the CRAs have not blocked or removed the disputed accounts within the 4-business-day window required under 15 U.S.C. 1681c-2 ( a ). 
The CRAs are mischaracterizing this 1681c-2 block request as a 1681i reinvestigation, which does not comply with federal law and demonstrates bad faith. 
Reporting these accounts without a permissible purpose under 15 U.S.C. 1681b constitutes aggravated identity theft under 18 U.S.C. 1028A. 

Legal Basis / Awareness of FCRA Elements Count I Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy ( 1681e ( b ) ) Equifax, Experian, and TransUnion published inaccurate consumer information. 
Equifax, Experian, and TransUnion failed to follow reasonable procedures to ensure maximum possible accuracy. 
These failures cause or risk actual damages. 
Count II Failure to Conduct a Reasonable Reinvestigation ( 1681i ) The consumer reports maintained by Equifax, Experian, and TransUnion contain inaccurate or incomplete information. 
I notified Equifax, Experian, and TransUnion of the inaccuracies. 
My dispute is not frivolous. 
Equifax, Experian, and TransUnion failed to conduct a reasonable reinvestigation or misclassified the 1681c-2 block request. 
These failures cause or risk damages. 
Count III Failure to Block Identity Theft Information ( 1681c-2 ( a ) ) I provided proof of identity and submitted a valid FTC Identity Theft Report. 
I identified the disputed accounts. 
I stated the information is not related to any transaction by me. 
Equifax, Experian, and TransUnion failed to block the disputed accounts within four business days, violating 1681c-2 ( a ). 
Their mischaracterization of this dispute as a 1681i investigation demonstrates bad faith and noncompliance.

Company response to consumer: Closed with explanation