Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Subject : Complaint Against Equifax for Repeated Credit Report Errors & Violations of Federal Law To the Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for repeatedly failing to maintain the accuracy of my credit report. Despite multiple disputes and submissions of proof, Equifax has mixed up my credit file for the third time, causing severe financial harm and preventing me from obtaining credit, business loans, and an auto loan.

Equifaxs Reporting Errors Equifax has failed to report my correct accounts while listing accounts that do not belong to me. 
XXXX Accounts ( XXXX to XXXX ) : XXXX Acct. No. XXXX {$0.00} balance XXXX XXXX Acct. No. XXXX XXXX XXXX XXXX Acct. No. XXXX {$0.00} balance XXXX XXXX XXXX  XXXX  Acct. No. XXXX {$0.00} balance Incorrectly Reported Accounts ( Not Mine ) : XXXX  XXXX XXXX {$0.00} balance XXXX XXXX XXXX {$470.00} balance Boom Pay {$0.00} balance XXXX XXXX {$4300.00} balance Additionally, XXXX unauthorized inquiries from XXXX XXXX XXXX  XXXX have appeared on my Equifax report : XX/XX/year> XX/XX/year> Failure to Investigate & Correct Errors I contacted each of the incorrectly reported creditors, and they confirmed I have never had an account with them. Despite this, Equifax continues to claim they need to conduct an investigation rather than take immediate corrective action. 
This is the third time Equifax has made this mistake. The latest representative I spoke to was XXXX ( Employee ID : XXXX ), and she provided no resolution. Equifaxs repeated negligence is severely impacting my financial stability. 

Violations of Federal Law by Equifax Equifaxs actions constitute violations of multiple federal consumer protection laws, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681i Failure to properly reinvestigate and correct disputed errors.

15 U.S.C. 1681b Failure to prevent unauthorized credit inquiries from appearing on my report.

15 U.S.C. 6802 Unauthorized disclosure of my nonpublic personal information by merging my credit file with another individuals.

31 U.S.C. 5118 Reporting debts that are not legally valid under my identity.

Requested Resolution To resolve this matter, I demand that Equifax : 1. Permanently delete all incorrect accounts and inquiries that do not belong to me.

2. Restore my accurate credit file, even if Equifax must verify it with other bureaus or secondary agencies.

3. Provide a full written explanation detailing how my credit file was merged with another individuals three times.

4. Explain the steps Equifax will take to prevent this from happening again.

Escalation if Not Resolved If Equifax fails to correct these errors, I will pursue legal action for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with federal law. I am also prepared to escalate my complaint to the Federal Trade Commission ( FTC ), state regulators, and other relevant agencies.

Equifaxs negligence is actively harming my ability to secure credit and financial opportunities. I request urgent intervention from the CFPB to hold them accountable.

I have enclosed all necessary documentation, including proof of the errors and my identification. Please provide a written response within 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation