Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
I am filing this complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor their failure to properly handle fraudulent accounts on my credit reports resulting from identity theft. I have been a victim of identity theft, and despite submitting valid disputes with supporting documentation, including my FTC identity theft report, these agencies have not blocked or deleted the erroneous information as required by law. This ongoing reporting is causing me significant harm, including damage to my credit score, denied credit opportunities, and emotional distress.

Enclosed ( or attached in the online submission ) is a copy of my FTC identity theft report, excerpts from my credit reports, and proof of identity. I request that the CFPB investigate these violations and compel the agencies to comply immediately. Note : Since the CFPB complaint form requires selecting one company per submission, I will file separate complaints for each agency using th
is narrative as the basis, replacing the specific agency name where appropriate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681c-2, credit reporting agencies are required to block information identified as resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report. I submitted disputes to each agency on or around XX/XX/year>, demanding the blocking and deletion of the following fraudulent collection accounts, which are not mine and stem from identity theft : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX I have never authorized, opened, or had any association with these accounts. The agencies ' failure to act constitutes willful noncompliance with FCRA 1681c-2 and 1681i ( requiring reasonable reinvestigation ), exposing them to statutory damages, actual damages, punitive damages, and attorney 's fees under FCRA 1681n .

Additionally, by continuing to report these fraudulent debts, the agencies are facilitating violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as the debt collectors are attempting to collect on invalid debts without proper validation, leading to harassment and false representations.

Furthermore, the agencies have violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., specifically 501, by failing to implement adequate safeguards to protect my nonpublic personal information, allowing fraudulent accounts to be reported without verification, and contributing to the identity theft. This exposes them to penalties enforced by the FTC and CFPB. 
These violations have resulted in a FICO Score of XXXX on my Experian report ( dated XX/XX/year> ), with XXXX collections totaling {$6300.00}, high credit utilization ( 194 % ), and multiple late payments that are not mine. I demand that the CFPB require the agencies to : Immediately block and permanently delete the fraudulent accounts and all associated derogatory information.

Conduct a full reinvestigation and update my credit reports accordingly.

Notify the furnishers to cease collection activities.

Rectify GLBA violations by improving data security measures.

Provide compensation for damages incurred.

If these issues are not resolved promptly, I will pursue all legal remedies, including a lawsuit for maximum statutory damages ( {$1000.00} per FDCPA violation ), uncapped punitive damages under FCRA, and additional GLBA penalties. I have also notified my state attorney general and the FTC. 
Thank you for your assistance in holding these agencies accountable. Please contact me in writing at the above address. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief