Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED DATE : XX/XX/XXXX NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Dear Experian XXXX XXXX, I have been going through Identity theft since the year XXXX. Recently my personal information has been leaked in multiple data breaches including Equifax ( engagement number XXXX ), Experian, XXXX, and XXXX. I received my consumer report and saw many inaccurate accounts being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. 
I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), that Experian has engaged in Specifically, the CFPB has alleged the following : XXXX. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 

XXXX. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies in my report may have resulted from such practices. 
Highlighting improper practices when handling consumer disputes. 
The disputed information includes : showing proof that my personal information has been leaked and used for another persons gain without my knowledge. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Past Due : {$15000.00} Remarks : Repossession ; charged off ; unpaid balance ; auto loan XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Balance : {$200.00} Past Due : {$200.00} Remarks : Charged off as bad debt ; profit and loss write-off XXXX XXXX XXXX  BANK Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : 120150 Days Late ( Closed ) Balance : {$660.00} Past Due : {$180.00} Remarks : Closed by XXXX XXXX due to inactivity I demand that you thoroughly investigate this dispute in compliance with the FCRA, provide me with a written statement of the investigation results, and immediately correct any inaccuracies. Please ensure that any errors previously corrected are not reinserted into my credit report. Failure to address this matter promptly and accurately may result in additional action, as these practices significantly affect my financial standing, including access to credit, employment, and housing. Every step must be taken to ensure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed above. 


Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts mentioned above. 15 USC XXXXb ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. 
Aggravated Identity Theft under XXXX XXXX. XXXX. ( XXXX ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC XXXXb Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. YOU EXPERIAN have aided this Fraud by not verifying these accounts. Congress states 15 USC XXXX Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 








XXXX. Late Payment Disputes ( TILA XXXX ) Accounts Disputed : XXXX. XXXX ( Credit Builder Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Late Payments : XXXX & XXXX Days Balance : {$71.00} Remarks : Secured credit card still open with XXXX XXXX. XXXX ( Secured Loan ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : XXXX  Days Late ( Reported by all bureaus ) Balance : {$600.00} Remarks : Fixed-rate secured installment loan currently paid as agreed XXXX request proof of billing prior to reported late marks XXXX  demand original billing and proof of delivery or receipt for the late month Legal Basis : Truth in Lending Act ( 15 U.S.C. XXXX ) Required Proof : Billing statements for disputed months Evidence of statement delivery Investigation documentation Action Requested : Removal of late marks pending verification Delete these accounts mentioned above : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Balance : {$15000.00} Past Due : {$15000.00} Remarks : Repossession ; charged off ; unpaid balance ; auto loan XXXX. XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Balance : {$200.00} Past Due : {$200.00} Remarks : Charged off as bad debt ; profit and loss write-off XXXXXXXX XXXX XXXX BANK Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : XXXX Days Late ( Closed ) Balance : {$660.00} Past Due : {$180.00} Remarks : Closed by XXXX XXXX due to inactivity Pursuant 15 U.S. CXXXXe XXXX - Block of information resulting from identity theft Except as otherwise provided in this section, a of a consumer that the of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC XXXX XXXX XXXX Access to free reports ) ( XXXX ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section XXXXj ( d ) of this title ; and Be Advised I will CC : The Bureau of Consumer Protection Financial ( CFPB ) XXXX XXXX Attorney General 's Office in your state and Mine. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Enclosed : copy of ID, Utility Bill showing proof of address, FTC identity theft Report Local Police report

Company response to consumer: Closed with non-monetary relief