Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX Place XXXX XXXXXXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX Complaint Against : Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion ( XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX ) Subject : CFPB Complaint Willful Violations of FCRA, Failure to Block Identity Theft Accounts, and Demand for Immediate Deletion To the Consumer Financial Protection Bureau ( CFPB ) : I, XXXX XXXX, am submitting this formal complaint against Experian, Equifax, and TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. XXXX ( FCRA Section XXXXB ) Failure to block identity theft accounts 15 U.S.C. XXXXi ( Section XXXX ) Failure to reinvestigate and provide method of verification 15 U.S.C. XXXX ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. XXXX & XXXX Subjecting me to damages for willful or negligent noncompliance Summary of Violations : Despite providing a valid FTC Identity Theft Report ( Report No. XXXX ) and personal identity theft statement, these bureaus have continued to report the following fraudulent accounts : Fraudulent Bank Accounts : XXXX, XXXX, XXXX, XXXX, XXXX Fraudulent XXXX XXXX  Credit Cards : XXXX ( Balances {$490.00}, {$1400.00}, {$560.00}, {$1100.00} ) XXXX XXXX XXXX : XXXX ( {$350.00} ) XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ( {$690.00} XXXX Bank XXXX XXXX : XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX : XXXX ( {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ( {$9500.00} ) I never opened, authorized, or signed for these accounts. They are the result of identity theft dating back to XXXX, which I discovered in XX/XX/XXXX. Despite repeated notices, the bureaus have failed to block, delete, and stop reporting these items as required by federal law. 



Relief Requested : I demand that Experian, Equifax, and TransUnion : XXXX. Permanently block and delete all fraudulent accounts under FCRA Section XXXXB within XXXX business days. 
XXXX. Provide full written confirmation of deletions. 
XXXX. Supply complete reinvestigation records, including method of verification, names of furnishers contacted, and documentation under Section XXXX. 

Their ongoing reporting causes me continuous financial and emotional harm and constitutes willful noncompliance, exposing them to statutory damages, actual damages, and punitive damages. 

I respectfully request that the CFPB immediately investigate and ensure these credit bureaus comply fully with federal identity theft protections. 



Attachments Provided : FTC Identity Theft Report XXXX. XXXX Personal identity theft statement ( under penalty of perjury ) Signed, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Personal Identity Theft Statement I, XXXX XXXX, residing at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, declare under penalty of perjury that I am a victim of identity theft. 

Summary of Incident : I have discovered that multiple accounts, credit inquiries, and credit reporting entries have been fraudulently opened or reported under my name and Social Security Number without my knowledge, authorization, or consent. These include fraudulent credit card accounts, auto loans, bank accounts, and debt collection accounts, some dating back as early as XXXX. 

Specific Details of Fraudulent Accounts : Fraudulent Bank Accounts : XXXX, XXXX, XXXX, XXXX, XXXX Fraudulent Credit Card Accounts : XXXX XXXXXXXX XXXX XXXX ( Balances {$490.00}, {$1400.00}, {$560.00}, {$1100.00} ) XXXX XXXX XXXX : XXXX ( {$350.00} ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX ( {$690.00} XXXX Bank XXXX XXXX : XXXX ( {$420.00} ) Fraudulent Auto Loans : XXXX XXXX XXXX : XXXX ( {$20000.00} ) XXXX XXXX XXXX : XXXX ( {$9500.00} ) Addresses or Inquiries I Do Not Recognize : XXXX XXXX XXXX XXXX XXXX XXXX Credit inquiries from : XXXX XXXX, XXXX XXXX XXXX What I Am Requesting : I request that all credit bureaus, creditors, and collectors permanently block, delete, and cease reporting these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section XXXXB ( 15 U.S.C. XXXX ), which requires the blocking of information resulting from identity theft. 

I have filed an official FTC Identity Theft Report ( Report XXXX. XXXX ) and, where applicable, a police report to support my claims. 

I never authorized or consented to these accounts, inquiries, or transactions. I have suffered harm, including emotional distress, financial damage, and damage to my credit reputation, as a result of these fraudulent activities. 

I demand that all affected parties act promptly and in accordance with federal law to correct and remediate these identity theft issues on my credit file. 



Declaration ( under penalty of perjury ) : I declare that the above information is true and correct to the best of my knowledge. I understand that knowingly making false statements to the government or financial institutions is a federal offense and may result in fines or imprisonment. 

Signed, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation