Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion ( collectively, the " Credit Bureaus '' ) for their willful noncompliance with multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and provisions related to identity theft and consumer privacy under Titles 15 and 18 of the U.S. Code. The Credit Bureaus have inaccurately reported fraudulent accounts, unauthorized inquiries, and misleading information on my credit reports, resulting from identity theft and data breaches, without proper verification or my consent. This has caused severe financial harm, including denied credit, higher interest rates, emotional distress, paranoia requiring medication, and damage to my reputation. 
On XX/XX/year>, I submitted detailed written demands directly to each of the Credit Bureaus ( enclosed as attachments ), accompanied by valid identification ( copy of my Connecticut Driver 's License ), proof of address ( utility bill from XXXXXXXX XXXX XXXXXXXX ), a copy of my Social Security card, and my FTC Identity Theft Report ( FTC Report Number : XXXX, also enclosed ). In these demands, I explicitly invoked my rights under various statutes, including : FCRA XXXX XXXX ( 15 U.S.C. 1681c-2 ) : Requires blocking and deleting information resulting from identity theft or unauthorized use within four ( 4 ) business days.

FCRA Section 1681i ( a ) ( 5 ) : Mandates permanent deletion of unverifiable or inaccurate information.

FCRA Section 1681e ( b ) : Requires reasonable procedures to ensure maximum accuracy.

FCRA Section 1681b : Prohibits furnishing reports without permissible purpose or written consent.

FCRA Section 1681a ( 4 ) : Protects consumer right to privacy, allowing me to deem certain information private.

FDCPA Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, such as reporting unverified debts or positive balances as " debts. '' FDCPA Section 1692f : Prohibits unfair practices in debt collection.

FDCPA Section 1692g : Requires validation of debts, which only I, as the original creditor, can provide.

FDCPA Section 1692j : Prohibits furnishing deceptive forms.

FDCPA Section 806 : Prohibits harassment or abuse, which I have experienced through repeated inaccurate reporting.

GLBA Section 502 ( 15 U.S.C. 6802 ) : Prohibits disclosure of nonpublic personal information without consent.

18 U.S.C. 1028A : Criminalizes aggravated identity theft for sharing my information without consent.

15 U.S.C. 1681n : Imposes civil liability for willful noncompliance, up to {$1000.00} per violation.

My personal information was compromised due to identity theft and data breaches, leading to the unauthorized reporting of the following fraudulent accounts and inquiries across the Credit Bureaus : XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( variations across bureaus ) Reason : This account was reported without my authorization as a result of identity theft. It is unverifiable, inaccurate, and violates FCRA accuracy requirements. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unauthorized reporting due to identity theft ; no consent given, unverifiable, and misleading under FDCPA. 

XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Fraudulent account from data breach ; inaccurate and unverified, infringing on my privacy rights under FCRA. 

XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Reported without permissible purpose ; deceptive and harassing under FDCPA, stemming from unauthorized use. 


These items appear as negative entries, falsely portraying me as delinquent, which constitutes false representations under FDCPA 1692e and GLBA violations for unauthorized disclosure. The Credit Bureaus did not witness any signatures, failed to verify with legitimate sources, and ignored my privacy demands. Their actions have caused tangible harm, including paranoia, medication needs, denied housing, and employment barriers. Despite my documented requests, the Credit Bureaus have not removed these items within statutory timeframes, exposing them to liability for willful noncompliance.

Company response to consumer: Closed with non-monetary relief