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 XXXX ( collectively, the " Credit Bureaus '' ) for their willful noncompliance with federal laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ), in failing to promptly and permanently remove fraudulent and unauthorized accounts from my credit report. These accounts resulted from identity theft and a data breach that compromised my personal information, and their continued presence is causing me severe financial harm, including denial of credit, higher interest rates, and emotional distress. 
On XX/XX/year>, I submitted detailed written demands directly to each of the Credit Bureaus XXXX enclosed as attachments for Equifax and Experian ; a similar demand was prepared for TransUnion ), accompanied by valid identification ( copy of my Connecticut Driver 's License ) and my FTC Identity Theft Report ( FTC Report Number : XXXX, also enclosed ). In these demands, I explicitly invoked my rights under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit bureaus to block and delete information resulting from identity theft or unauthorized use within XXXX ( XXXX ) business days of receiving a consumer 's request with proper documentation. Additionally, under FCRA Section 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be permanently deleted from my credit file. 
My personal information was compromised due to a data breach, leading to the unauthorized opening and reporting of the following fraudulent accounts across the Credit Bureaus : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : This account was opened and reported without my authorization as a result of identity theft and data breach. It is unverifiable and stems from fraudulent activity. ( Appearing on reports from Equifax, Experian, and XXXX  ) XXXX XXXX XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : This collection account was reported due to identity theft. It is unauthorized, unverifiable, and must be deleted immediately. ( Appearing on reports from Equifax and XXXX  ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : This account was fraudulently reported as a result of the data breach and identity theft. No consent was given, and it can not be verified with a legitimate source. ( Appearing on reports from Experian and XXXX  ) These accounts appear on my credit reports as negative items, falsely portraying me as delinquent or in debt, which is a direct violation of FDCPA Section 1692e ( 15 U.S.C. 1692e ), prohibiting false or misleading representations in debt collection and reporting. Furthermore, under GLBA Section 502 ( 15 U.S.C. 6802 ), the Credit Bureaus are prohibited from disclosing my nonpublic personal information without my consent, which was never provided for these accounts. The continued reporting of this information exposes the Credit Bureaus to liability for willful noncompliance, including statutory damages under FCRA Section 1681n. 
Despite my timely and properly documented requests, the Credit Bureaus have failed to act within the statutory timeframe, constituting a clear violation of federal law. This inaction has exacerbated my financial harm, as these fraudulent items are preventing me from obtaining credit, securing housing, or advancing in employment opportunities. I have suffered tangible losses, including but not limited to denied credit applications and increased costs due to poor credit scores.

Company response to consumer: Closed with explanation