Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting a detailed investigation and full disclosure regarding the fraudulent names and addresses that have been attached to my credit file for nearly XXXX years without proper intervention. The following namesXXXX, XXXX, XXXX, as well as illegal misrepresentations of my lawful name such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and othersshould have immediately triggered a fraud alert and internal review. 

Failure to Investigate & Report Fraud Equifax has failed to : Conduct a thorough initial investigation when XXXX  notified of these fraudulent identities. 
Provide standard fraud protections that should be in place for identity theft victims. 
Notify appropriate authorities or the original consumer ( myself ) when new fraudulent identities and addresses were added. 

As a credit bureau, Equifax is responsible for maintaining accurate consumer records and protecting against fraudulent activity. This level of negligence is unacceptable and has resulted in severe financial, professional, and personal harm. 

Formal Requests for Investigation & Disclosure I require a full, documented report including : XXXX. The exact dates and sources of when these fraudulent names and addresses were first obtained and linked to my Social Security number. 
XXXX. A comprehensive fraud investigation report, including why these inconsistencies failed to trigger security measures. 
XXXX. Copies of all internal findings from any previous disputes and investigations into this matter. 
XXXX. Clear explanation of Equifaxs policies regarding fraudulent identities and why those policies were not followed.

This documentation is essential, as I am currently working with my local XXXX XXXX XXXX office to pursue all legal options available to me as an ongoing victim of identity theft. 

Ongoing Harm & Professional Interference The mishandling of this case continues to have serious consequences : Housing Instability : Due to errors in my credit report, I am currently facing homelessness despite a strong rental history. I am forced to seek housing through private landlords, who offer limited protections. 
Employment Barriers : As an XXXX agent working directly with Equifax, XXXX am the only team member required to undergo additional identity validation due to Equifaxs own system flags. This has resulted in : XXXX days of inability to access work systems until my employer intervened. 
Restrictions on my ability to work from multiple locations, as Equifax flags new devices and prevents access. 
Employer-documented evidence of this issue, further proving the direct harm caused by Equifaxs negligence. 

Next Steps & Legal Implications If Equifax fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Seeking legal action for damages resulting from Equifaxs failure to investigate and correct fraudulent data. 

This is a critical matter impacting my financial stability, housing security, and professional employment. I expect a timely and thorough response with all information made available to me immediately via paper mail to my lawful address or a detailed outline downloadable to my email address as on file for Equifax and Experian, I will require that they first confirm said lawful physical residential address and/or email prior to submission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation