Consumer complaint received 2025-07-06 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: AZ

Complaint narrative:
I am submitting this formal dispute and demand for enforcement as a verified victim of identity theft. I am requesting immediate CFPB intervention due to the willful and negligent failure of Experian, Equifax, and TransUnion to comply with federal law under the Fair Credit Reporting Act ( FCRA ) after receiving documented notice of fraudulent accounts appearing on my credit reports. 

These nationwide consumer reporting agencies are unlawfully reporting accounts that were opened without my knowledge, consent, or authorization, despite my active fraud alert, disputes, and evidence provided. Their refusal to remove these fraudulent tradelines constitutes gross noncompliance with FCRA 605B, 611, and 623, and I am demanding immediate regulatory action and relief. 

These accounts are the result of identity theft and must be removed : XXXX XXXX XXXX XXXX Sales Contract {$1000.00} charged off XXXX XXXX XXXX Credit Card {$600.00} balance with late payments XXXX XXXX XXXX XXXXXXXX Charge Account {$1800.00} charged off XXXX XXXX. Personal Line {$1900.00} charged off XXXX XXXX XXXX XXXX XXXX {$32000.00} past due XXXX XXXX XXXX XXXX Credit Card {$23000.00} closed with delinquencies XXXX XXXX Open Secured Loan {$15000.00} with recent late payments I have never applied for, signed for, or received benefit from any of these accounts. These tradelines are fraudulent, defamatory, and continue to cause financial harm and emotional distress. 

Despite receiving written notice and supporting documentation, Experian, Equifax, and TransUnion have failed to : Block fraudulent accounts within 4 business days, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) Conduct a reasonable investigation, as required by FCRA 611 ( 15 U.S.C. 1681i ) Prevent the continued furnishing of false data, in violation of FCRA 623 Notify me of the results of any investigation, reinsertion attempts, or verification sources Furthermore, these agencies have knowingly relied on e-OSCAR, an automated and legally inadequate dispute system that has been widely criticizedincluding by courtsfor rubber-stamping creditor responses and denying consumers their right to a meaningful investigation. I explicitly do not consent to the use of any automated system in processing my disputes. 

I am demanding the following relief : That the CFPB compel all three credit bureaus to permanently delete the above-referenced fraudulent tradelines from my credit reports. 

That a full investigation be launched into the credit bureaus noncompliance, including their improper use of e-OSCAR in identity theft claims. 

That civil penalties and regulatory enforcement actions be applied under FCRA 616617 for willful and negligent violations.

That I receive written confirmation of deletion and assurance these accounts will not be reinserted unless full, documented, manual verification is completed and I am notified in writing. 

That the CFPB notify each furnisher ( creditor ) of my identity theft claim and require their full cooperation in deletion of these accounts. 

I declare that the above information is true and accurate. I have no affiliation with or responsibility for the accounts listed. I am a victim of identity theft. These credit bureaus and furnishers are now on notice. I will pursue all available legal remedies if my rights under federal law are not fully enforced.

Company response to consumer: Closed with non-monetary relief