Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion due to multiple violations related to the reporting of fraudulent and inaccurate accounts on my credit report. These accounts were opened without my knowledge or consent, and despite numerous disputes, they remain unresolved. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the removal and blockage of these accounts from my credit report and ensure compliance with applicable laws.

Violations and Legal References : Failure to Notify : Creditors must provide written notification of debts within five days of reporting under 15 U.S.C. 1692g. This was not done, rendering these accounts illegitimate.

Failure to Ensure Accuracy : Under FCRA 607 ( b ), credit bureaus must ensure maximum accuracy in reporting. Discrepancies exist in balances, high credit limits, open dates, and payment histories across bureaus, demonstrating noncompliance.

Failure to Investigate : As per FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus are required to investigate disputes within 30 days. My disputes have exceeded this timeline without resolution.

Failure to Reinvestigate : Under FCRA 611 ( a ) ( 6 ), credit bureaus must reinvestigate if a consumer disputes a resolution. My disputes have not been adequately addressed or resolved.

Failure to Protect Personal Information : The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) mandates safeguarding consumer data. The presence of fraudulent accounts suggests a failure to protect my personal information.

Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft, which has occurred with these accounts.

Failure to Provide Identity Theft Resources : FTC guidelines ( 15 U.S.C. 1681g ( e ) ) require credit bureaus to support identity theft victims, including providing fraud alerts. These steps were neglected.

State Law Violations : Under Florida statutes, identity theft is a criminal offense. The presence of these accounts violates state-level protections.

Accounts Involved and Specific Violations : XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) Additional fraudulent credit inquiries by XXXX, XXXXXXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Action : Immediate removal and blockage of fraudulent accounts and inquiries from my credit report.

Written confirmation of removal and an updated credit report.

Implementation of fraud alerts as per federal and state regulations. A thorough investigation into the improper recording of these accounts and a detailed written report of the findings.

Enclosures : Government-issued ID Social Security card Police reports Proof of address Thank you for your prompt attention to this matter. I trust that the CFPB will take necessary actions to enforce compliance and protect my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation