Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ( XXXX XXXX ) is a victim of identity theft. I submitted a FTC REPORT of Identity Theft to Experian, Equifax, TransUnion, and each creditor listed below regarding XXXX fraudulent accounts reporting under my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my formal disputes and FTC REPORT, the credit bureaus and furnishers have failed to remove or block these fraudulent accounts and continue to report and verify them as valid, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Violations by the Credit Bureaus ( Experian, Equifax, TransUnion ) FCRA 605B ( a ) [ 15 U.S.C. 1681c-2 ( a ) ] Failure to Block Identity Theft Information They did not block the identity-theft accounts within 4 business days after receiving my affidavit and proof of identity.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation They failed to perform a reasonable reinvestigation within 30 days and left unverifiable, fraudulent accounts on my file.

FCRA 611 ( c ) Failure to Mark Accounts as Disputed They continued reporting the fraudulent items without indicating that they were in dispute.

FCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy They did not follow reasonable procedures to ensure accuracy and instead allowed unverified identity-theft data to remain.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Results They failed to provide me with written results and the documentation relied upon to verify the fraudulent accounts.

Penalty : Civil liability for willful or negligent violations under FCRA 616617. 

Violations by XXXX XXXX XXXX ( Furnisher ) FCRA 623 ( a ) ( 1 ) ( A ) Reported information known or believed to be inaccurate.

FCRA 623 ( a ) ( 3 ) Failed to mark the account as disputed.

FCRA 623 ( a ) ( 8 ) ( E ) Did not conduct a reasonable investigation of my direct dispute.

FCRA 623 ( b ) ( 1 ) ( A ) ( E ) Failed to investigate and correct after bureau notification.

FDCPA 807 ( 2 ) ( A ) Misrepresented the character and legal status of an identity-theft debt.

Penalty : Civil liability for negligent or willful noncompliance ( FCRA 616617 ) ; statutory damages under the FDCPA. 

Violations by XXXX XXXX XXXX XXXX XXXX ( Furnisher ) FCRA 623 ( a ) ( 1 ) ( A ) Furnished inaccurate information after receiving notice of identity theft.

FCRA 623 ( a ) ( 3 ) Failed to label the account as disputed.

FCRA 623 ( a ) ( 8 ) ( E ) Ignored my direct dispute and affidavit.

FCRA 623 ( b ) ( 1 ) ( A ) ( E ) Verified fraudulent information without proper investigation.

FDCPA 807 ( 2 ) ( A ), 808 ( 1 ) False representation and unfair collection attempts on a fraudulent account. 

Penalty : Civil and statutory damages for willful noncompliance. 

Violations by XXXX XXXX XXXX XXXX ) FCRA 623 ( a ) ( 1 ) ( A ) Furnished inaccurate or unverifiable identity-theft data.

FCRA 623 ( a ) ( 3 ) Failed to mark the account as disputed.

FCRA 623 ( a ) ( 8 ) ( E ) Did not properly investigate my direct dispute.

FCRA 623 ( b ) ( 1 ) ( A ) ( E ) Failed to investigate and correct after bureau notice.

FDCPA 807 ( 2 ) ( A ) Misrepresented an identity-theft debt as valid.

Penalty : Civil liability under 616617 ; FDCPA statutory damages. 

Evidence Submitted FTC REPORT ( attached ) Copies of dispute letters sent to all three credit bureaus and furnishers Credit report dated XX/XX/year>, showing continued reporting of the fraudulent accounts

Company response to consumer: Closed with explanation