Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXXXXXX XXXX XXXX Loan ( Account # XXXX ) Charged-off for {$42000.00}. I have no knowledge of this auto loan. It appears this account was opened in XX/XX/XXXX and transferred or charged off in XX/XX/XXXX with a {$42000.00} balance. This massive debt was incurred without my consent, likely due to identity theft. Reporting this fraudulent account damages my credit and violates the FCRAs mandate that only verified and accurate information be reported. It also violates the FDCPA, which forbids misrepresenting that a consumer owes a debt that they do not owe. 
XXXX XXXX XXXX XXXX Credit Card ( Account # XXXX ) Charged-off for {$3000.00}. I did not open this credit card. It was ostensibly opened XX/XX/XXXX and charged off with a {$3000.00} balance as of XX/XX/XXXX. This account is clearly the result of identity theft or data breach. You are reporting a fraudulent debt that I have XXXX obligation to pay. Continuing to report this account as a charge-off on my file is a direct violation of my FCRA rights and FDCPA 807, as it is a false representation of a debts character and amount. 
XXXX XXXX XXXX XXXX  Credit Card ( Account # XXXX ) Charged-off for {$4300.00}. I have no record of ever opening a XXXX XXXX XXXXXXXX credit card. Yet my report shows an account opened XX/XX/XXXX, closed and charged off with a {$4300.00} balance ( credit limit {$6000.00} ). The payment history is riddled with delinquencies I did not cause. This fraudulent account must be deleted at once. Reporting it insinuates I defaulted on a debt I never agreed to, which is patently false and unlawful. The CFPB has recently penalized a credit bureau {$15.00} XXXX for failing to properly investigate inaccurate information like this. I demand you heed that warning. 
The following accounts have late payment entries that I demand be verified or deleted in compliance with federal law : XXXX XXXX  XXXXXXXX XXXX XXXX Loan ( Opened XX/XX/XXXX ) This loan ( Account # XXXX, original amount ~ {$55000.00} ) shows multiple late payments and a repossession mark ( R ) in XX/XX/XXXX. I dispute the late payments reported on this account. Given the history of this account ( it appears 50 % paid off then turned delinquent due to identity theft or unforeseen issues ), I assert that any late payment notations are inaccurate. If XXXX XXXX XXXXXXXX can not document that it sent timely billing statements and that I was truly delinquent, then Experian must remove all derogatory marks. Do not assume this account is valid simply because it was reported ; you are obligated to actually investigate. ( Note : If this account was the result of a data breach or identity mix-up related to the XXXXXXXX XXXX XXXXXXXX above, it should be removed entirely. Otherwise, at minimum, the late payments and repossession code must be deleted as unverified. ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Shows 2 late payments reported. I have never paid an XXXX XXXX late. If XXXX XXXX claims otherwise, I invoke 15 U.S.C. 1666b : unless they can prove the billing statement for each alleged missed payment was sent 21+ days before the due date, the late mark is not legally valid. I suspect either a billing error or an improper reporting. Experian must remove these late payments, as they tarnish my history inaccurately. This account was previously disputed, as noted by the comment Account previously in dispute investigation complete, consumer disagrees. I still disagree ; your prior investigation was clearly inadequate. I remind you that the CFPB has sued credit bureaus for relying on ineffective processes and providing inaccurate dispute results to consumers. Do better this time contact the furnisher and obtain actual proof, or delete the late payment data. 
XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Shows 9 late payments and is currently past due. This is egregious and does not reflect any payment behavior attributable to me. Either the account number was fraudulently used or the late marks are incorrectly aged. The history indicates consistent delinquencies through XXXX, which I contest. Verify the accuracy of each reported late ( with full documentation ), including that billing statements were sent in compliance with 15 U.S.C. 1666b, or else delete these nine late payments immediately. Given the excessive lates, I have strong reason to believe this account is corrupted by identity theft or mixed credit files it may not even be my account. If it is not verifiably mine, it must be deleted entirely under FCRAs accuracy requirements. 
XXXX XXXX XXXX Shows 1 late payment ( Account opened XX/XX/XXXX ). I dispute this late mark. I have not received any notice of a late payment on this account, and XXXX has never sent me a statement indicating I was past due. Thus, any late payment notation violates 15 U.S.C. 1666b ( no timely statement, no legal late fee or report ). Experian must remove this derogatory mark unless XXXX can prove I truly paid late ( which they can not, as I always pay on time ). A single 30-day late may seem minor, but it is legally significant if its inaccurate, keeping it on my report is defamation of my credit character. 
XXXX XXXX XXXX XXXX Credit Card ( Secured, {$2000.00} limit ) Shows XXXX late payment. I dispute the reported late on this small XXXX account. XXXX XXXX own comment on my report indicates a completed FCRA dispute where consumer disagrees with the outcome indeed I do disagree, because the late payment mark remains and it is unwarranted. If this account was impacted by fraud or payment processing errors, you must remove the late. I require written verification from XXXX XXXX of the date and amount of any alleged late payment, as well as proof of billing, or else delete this ding from my file. 
XXXX XXXX XXXX XXXX Credit Card ( Large, {$26000.00} limit ) Shows 1 late payment. This account is severely overlimit ( balance {$26000.00} on $ XXXX limit ) which itself suggests something is amiss. I dispute the late payment and the accuracy of this accounts reporting. XXXX XXXX must substantiate the late mark with evidence or it must be removed. Considering the balance over the credit line, its possible payments were misapplied or fraudulent charges pushed it overlimit circumstances that are not legitimate late payments by me. Remove this derogatory mark as unverified. 


( If any other account on my Experian report shows a late payment that I have not listed, consider it disputed as well under FCRA 1681i. I expect every late payment entry to be verified with documentation or deleted. ) Experian is on notice that these late payment notations are disputed inaccuracies. Under FCRA, you have 30 days to investigate ( but I am granting only 4 days for response given the urgency and clear evidence ) and under FCRA 611 ( a ) ( 5 ) ( A ) you must delete any information which can not be verified. You are not permitted to simply parroting what furnishers claim without evidence ; you must conduct a good-faith investigation. The CFPB has reiterated that both CRAs and furnishers can be held liable for failing to investigate disputes reasonably. I am prepared to hold Experian civilly liable under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance if you do not correct these errors.

These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation