Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
I am submitting this complaint because all three major credit reporting agencies, Equifax, Experian, and TransUnion, are publishing inaccurate, fraudulent, and unverifiable information on my credit reports. I am a verified victim of identity theft and filed an FTC Identity Theft Report ( Report XXXX. XXXX dated XX/XX/XXXX ). Despite providing proof of identity and address along with supporting documentation, the bureaus have continued to report false information. The main item in dispute is an XXXX auto loan account ending in XXXX, reported as a charge-off with a {$1900.00} balance. This account is fraudulent and unverifiableI never signed any contract, authorized this account, or received any benefit from it. My disputes have not been properly investigated, and the bureaus have instead parroted back unverifiable responses from furnishers without producing original documentation. 

In addition to the fraudulent XXXX account, my credit reports also contain multiple personal identification errors, including outdated or incorrect addresses such as XXXX XXXX XXXX and None, XXXX XXXX inconsistent reporting of my date of birth ( sometimes shown only as XXXX instead of XX/XX/XXXX ), and mixed identifiers that do not belong to me. There are also unauthorized hard inquiries on my reports that I never initiated or consented to, which violates the Fair Credit Reporting Acts permissible-purpose requirements. These errors not only misrepresent my identity but also increase the risk of further fraud. 

The actions of the bureaus violate several provisions of the Fair Credit Reporting Act. They have failed to maintain reasonable procedures to assure maximum possible accuracy under 1681e ( b ), failed to conduct proper reinvestigations under 1681i ( a ), and failed to apply mandatory identity-theft blocks under 1681c-2 despite receiving my FTC ID theft report. They also did not provide the required five-day notice under 1681i ( a ) ( 5 ) ( B ) if any previously disputed or deleted data was reinserted. By continuing to report this unverifiable information, the furnishers and bureaus are also in violation of their duties under 623, and if debt collectors are involved, it constitutes deceptive reporting under 15 USC 1692e. 

The harm from these violations has been significant. I have been denied credit opportunities, forced to deal with higher borrowing costs, and have experienced ongoing stress and emotional distress from seeing fraudulent and damaging information published about me. These false entries directly suppress my credit scores, making it harder to obtain housing, employment, and fair financial terms. 

I am requesting that the CFPB take enforcement action to ensure that the XXXX  account ending XXXX  is permanently deleted from all three bureaus, that all inaccurate addresses and identifiers are removed, and that unauthorized inquiries are deleted. I also request written confirmation of corrections and an assurance that no fraudulent or unverifiable data will be reinserted into my file without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

The continued reporting of this data demonstrates willful noncompliance with the FCRA and Metro 2 standards. I am asking for immediate intervention to protect my rights, prevent further harm, and restore the accuracy and integrity of my consumer credit files.

Company response to consumer: Closed with explanation