Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This complaint is submitted pursuant to the protections afforded under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and demands immediate regulatory enforcement regarding violations committed by TransUnion, Experian, and the data furnisher Credence Resource Management. 
The account in question, attributed to XXXX XXXX and furnished by XXXX XXXX XXXX, is being falsely reported on my credit file by both Experian and TransUnion. I have never resided at the service address tied to this alleged debt : XXXX XXXX XXXX XXXX, XXXX, OK XXXX. I have been a lifelong resident of California, and this XXXX record is the product of identity theft or account misassociation. 
A cease and desist order was issued to the collection agency under FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ). This complaint also serves as a formal demand to all consumer reporting agencies that they are now considered prohibited third parties under the FDCPA and must immediately cease all further publication of this debt.

Additionally, I submitted a written debt validation request in accordance with FDCPA 809 ( b ), 15 U.S.C.

1692g ( b ). Any continued reporting or collection activity on this unverified debt is a direct violation of the FDCPA and FCRA.

The fraudulent Oklahoma address must be deleted immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ). Its continued presence violates my rights and misrepresents my identity. 
The following unauthorized inquiries were made without a permissible purpose and must be permanently removed under FCRA 604 ( a ) ( 3 ) : Experian : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to delete these entries violates the duty to ensure maximum possible accuracy under FCRA 607 ( b ) and subjects the violators to civil liability under FCRA 1681n and 1681o. 
This complaint is supported by : - Cushman v. Trans Union, 115 F.3d 220 ( 3rd Cir. 1997 ) - Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) - Richardson v. Equifax, 2004 WL 1123209 - Ramirez v. TransUnion, 141 S. Ct. 2190 ( 2021 ) - Arrizon v. TransUnion, 2025 IL App ( 1st ) 231911 - CFPB v. Experian ( Jan 2025 ) for sham investigations and improper reinsertion The credit reporting agencies continue to misspell my consumer name on official documents. This repeated inaccuracy facilitates identity confusion and increases the risk of fraud. A copy of the most recent correspondence demonstrating this error is attached. 
Under FDCPA 809 ( a ), 15 U.S.C. 1692g, and 1692k, this pattern of misreporting and deception qualifies as misrepresentation and deceptive collection practices, exposing all violators to both statutory and actual damages.

Company response to consumer: Closed with non-monetary relief