Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX RE : FORMAL DEMAND FOR INVESTIGATION AND PERMANENT DELETION OF INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION I am filing this complaint against XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX, and XXXX XXXX reporting agencies for multiple violations of the Fair Credit Reporting Act ( FCRA ) that have caused severe financial harm through mixed credit files and inaccurate reporting. 
SUMMARY OF VIOLATIONS : My credit file has been contaminated with information belonging to multiple other individuals, creating a mixed file situation that violates FCRA requirements for accuracy. This has resulted in credit denials, inability to obtain housing, and ongoing financial harm. 
SPECIFIC FCRA VIOLATIONS : 1. Mixed Credit File - FCRA Section 607 ( b ) : Credit bureaus failed to maintain reasonable procedures to ensure maximum accuracy. My file shows XXXX, XXXX as primary name when my actual name is XXXX XXXX. Multiple unknown individuals ( XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX XXXX ) are listed in my file. 
2. Inaccurate Address Information : Reports show address XXXX XXXX XXXX, XXXX, LA XXXX where I have never resided. My actual address is XXXX XXXX XXXX, XXXX, LA XXXX. 
3. Fraudulent Insurance Policy - FCRA Section 623 ( a ) ( 1 ) ( A ) : XXXX XXXX and XXXX XXXX reported a policy ( XXXX : XXXX, POL : XXXX ) for a XXXX XXXX vehicle I never owned, with multiple unknown individuals listed as covered persons. 
4. Unverifiable Drivers License Violations : Multiple traffic violations and court cases reported that can not be verified as belonging to me, including cases from different jurisdictions and dates.

5. Inadequate Dispute Investigation - FCRA Section 611 : Despite the clear mixed-file nature of these violations, credit bureaus have failed to properly investigate and correct these inaccuracies.

FINANCIAL HARM CAUSED : XXXX  XXXX credit card denial on XX/XX/XXXXXXXX  ( documented ) Multiple other credit application denials Inability to obtain mortgage financing Higher insurance premiums due to inaccurate driving record Lost housing opportunities Application fees and credit monitoring costs Ongoing damage to credit score and financial reputation TIMELINE : XX/XX/XXXXXXXX  : First became aware of credit issues through denial letters XX/XX/XXXX : XXXX  XXXX denial specifically citing credit bureau information missing or unavailable XX/XX/XXXXXXXX  : Obtained detailed credit reports revealing extensive mixed-file violations Current : Ongoing financial harm continues as inaccurate information remains on file ATTEMPTS TO RESOLVE : I have attempted to dispute these items directly with credit bureaus, but the systemic nature of the mixed-file problem requires regulatory intervention to ensure proper investigation and permanent correction. 
REQUESTED RELIEF : 1. Immediate and permanent deletion of all inaccurate, unverifiable, and mixed-file information 2. Complete separation of my credit file from other individuals information 3. Notifications to all creditors who received inaccurate reports in past 24 months 4. Monetary compensation for documented financial harm ( $ 25,000- {$40000.00} ) 5. Free credit monitoring for minimum 3 years 6. Implementation of enhanced procedures to prevent future mixed-file violations 7. Civil penalties against violating companies to deter similar violations SUPPORTING DOCUMENTATION : XXXX  XXXX denial letter dated XX/XX/XXXXXXXX  Credit reports showing mixed-file information Insurance policy documents showing unknown individuals Drivers license violation records Proof of actual residence and identity This case represents systemic failures in credit reporting accuracy that affect not only me but potentially thousands of other consumers. The credit reporting industry must be held accountable for maintaining accurate files and following proper dispute procedures under FCRA. 
I request CFPB investigation and enforcement action to remedy these violations and prevent similar harm to other consumers.

Company response to consumer: Closed with non-monetary relief