Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
I am writing to file an urgent complaint regarding multiple fraudulent accounts and inquiries listed on my credit report, and the continued failure of the consumer reporting agencies to properly investigate and delete these inaccuracies, as required by federal law. 
Pursuant to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681g, I have a right to receive full disclosure of the sources of any information reported about me.

Further, under 15 USC 1681i ( a ), the credit reporting agencies are legally obligated to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any information.

Additionally, under 12 CFR 1006.34 ( b ) ( 5 ), accurate information and proper documentation must be provided to the consumer when disputes arise. According to 15 USC 1681i ( a ) ( 5 ) ( B ), any disputed information that can not be verified must be promptly deleted from the consumers credit file.

Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), if the results of the reinvestigation do not resolve the dispute, the consumer must be promptly notified, and a description of the procedure used to determine the accuracy must be provided which has not been properly done in my case. 
Despite my prior disputes, the following fraudulent accounts remain illegally listed on my credit reports : Fraudulent Accounts : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Additionally, the following fraudulent inquiries have appeared on my credit file, damaging my creditworthiness without my consent : Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am formally demanding that the CFPB immediately investigate this matter and ensure that these accounts and inquiries are permanently removed. If the CFPB or the credit reporting agencies fail to comply, I will have no choice but to initiate a lawsuit under the Fair Credit Reporting Act ( 15 USC 1681n and 1681o ) for : Willful non-compliance Negligent non-compliance Emotional distress damages Actual damages Statutory damages of up to {$1000.00} per violation Punitive damages I will seek no less than {$10000.00} in court for failure to delete these fraudulent accounts and inquiries. 
This is your final notice to correct this immediately. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Email : XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief