Consumer complaint received 2025-11-29 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:
I am submitting this response to Experian and TransUnion because several companies have already completed their investigations and confirmed that I was a victim of identity theft. These companies acknowledged that the accounts associated with my name were fraudulent, unauthorized, and do not belong to me. Since these companies have already verified that the accounts were the result of fraud, Experian and TransUnion are now legally required to remove these fraudulent accounts, inquiries, and any related derogatory information from my credit report under the Fair Credit Reporting Act ( FCRA ). 

I have also filed an FTC Identity Theft Report, and this serves as my official identity theft affidavit. Under FCRA 605B, once a consumer submits an identity theft report and the fraud has been confirmed by furnishers, the credit bureaus must block and delete all fraudulent information from the consumers file within XXXX business days. There is no requirement for further verification once an identity theft report has been provided, and especially not when the furnishers themselves have already confirmed in writing that the accounts were created through fraud. 

I am requesting that Experian and TransUnion take immediate action and remove every account, inquiry, and negative remark related to the companies that have confirmed I was a victim of fraud. Continuing to leave these items on my credit report after fraud has already been validated is a violation of the FCRA, causes ongoing harm, and prevents my credit profile from accurately reflecting my true financial activity. 

These fraudulent accounts and inquiries should not remain on my credit report under any circumstances, and the bureaus have a legal responsibility to ensure that all information furnished is accurate, verifiable, and not misleading. Once a company confirms that an account was opened without my knowledge or authorization, the information is not verifiable and must be removed. Furthermore, leaving fraudulent accounts on my report continues to damage my creditworthiness, impacts my ability to obtain fair credit opportunities, and causes significant emotional and financial distress. 

I am requesting that Experian and TransUnion complete the following actions immediately : Remove all fraudulent accounts reported by companies that have already confirmed I was a victim of identity theft. 

Remove all related inquiries, as they were not made by me and were part of the fraud. 

Delete any derogatory remarks ( late payments, charge-offs, collections, delinquent statuses, etc. ) associated with those fraudulent accounts.

Block the fraudulent information under FCRA 605B, which requires immediate blocking once an identity theft report is received.

Prevent reinsertion of any deleted fraudulent information unless full reinsertion requirements under FCRA 611 ( a ) ( 5 ) ( B ) are met, which includes notifying me in writing first. 

Update my credit file to reflect an accurate record free of unauthorized and fraudulent entries. 

Confirm in writing that the fraudulent entries have been deleted from my credit report. 

I have cooperated fully through every step of the process. I submitted disputes, documentation, supporting evidence, and my FTC Identity Theft Report. The furnishers have now confirmed, in writing, that these accounts were fraudulent. At this point, Experian and TransUnion have everything required to delete the accounts immediately. The law does not allow them to continue reporting fraudulent information once I have provided an identity theft report and the furnishers have verified the fraud. 

I am urging Experian and TransUnion to complete their responsibilities promptly and remove all fraudulent data associated with the companies that have already confirmed the identity theft. This is not a matter requiring more time or prolonged investigation it only requires compliance with the FCRA and the full removal of fraudulent information from my credit reports. 

I respectfully request that the CFPB ensure that Experian and TransUnion comply with federal law and correct my credit file without further delay.

Company response to consumer: Closed with non-monetary relief