Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to accurately report information on my credit reports and for not properly investigating or resolving my previous disputes regarding inaccurate and potentially fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable investigation into disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ). Despite my prior written disputes sent directly to each bureau on or around XX/XX/XXXX, these agencies have continued to report erroneous information, which has harmed my credit score, caused emotional distress ( including paranoia requiring medication ), and prevented me from obtaining credit, housing, and other opportunities. 
The inaccurate information appears to stem from identity theft or errors by scammers who XXXX have used my personal information without my authorization. I did not apply for or authorize the following accounts, and they do not reflect my actual financial activity : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ) Account XXXX : XXXX * * * * Issue : This account shows late payments or billing errors, but I have always paid as agreed and on time. This is inaccurate and should be corrected to reflect a positive payment history or removed if unverifiable. 

XXXX XXXXXXXX Account Number : XXXX * * * * Issue : This account is fraudulent or inaccurate. I did not open it, authorize any transactions, or receive any goods/services from it. It should be removed entirely. 

XXXX XXXXXXXX Account Number : XXXX * * * * Issue : This account is fraudulent or inaccurate. I did not open it, authorize any transactions, or receive any goods/services from it. It should be removed entirely. 


Additionally, there are unauthorized hard inquiries associated with these accounts that I did not initiate, which violate FCRA requirements for permissible purpose ( 15 U.S.C. 1681b ). These items have led to misleading reports that could deceive future creditors into believing I applied for credit I did not seek. I have no knowledge of or involvement in these accounts, and they appear to be the result of identity theft. 
I previously disputed these items in writing to each bureau, providing supporting documentation including my identification ( driver 's license ), proof of address ( e.g., bank statement ), and Social Security card. However, the bureaus have not removed or corrected the information, nor have they provided me with copies of the documents they used to verify the accuracy of these accounts as required under FCRA ( 15 U.S.C. 1681g ). This failure to investigate and reinvestigate properly has caused ongoing harm, including harassment from creditors contacting me about unvalidated " debts, '' damage to my reputation, and financial losses from denied credit applications. 
What Happened ( Timeline ) : On or around XX/XX/XXXX, I sent certified dispute letters to Equifax ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Experian ( XXXX. XXXX XXXX, XXXX, TX XXXX ), and TransUnion ( XXXX. XXXX XXXX, XXXX, PA XXXX ), detailing the inaccuracies and requesting investigation and removal. 
More than 30 days have passed without resolution, and the inaccurate information remains on my reports from all three bureaus. 
I have monitored my credit reports and continue to see these items, which has exacerbated my stress and required medical attention for paranoia. 

What I Want the Companies to Do : Immediately investigate and reinvestigate the disputed accounts and inquiries under FCRA 1681i.

Remove or correct the inaccurate information from my credit reports across all three bureaus.

Provide me with updated credit reports showing the changes.

Block any further reporting of these items if they can not be verified with original documentation ( e.g., signed applications or contracts proving my authorization ).

Compensate me for damages, including statutory penalties of up to {$1000.00} per willful violation under FCRA 1681n, and any actual damages such as emotional distress and lost opportunities.

Cease sharing my personal information without my consent and ensure compliance with privacy obligations under FCRA and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

Company response to consumer: Closed with non-monetary relief