Consumer complaint received 2025-06-17 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:
This complaint serves as a formal demand under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and Fair and Accurate Credit Transactions Act ( FACTA ) for the immediate removal and permanent correction of several accounts that are fraudulent, inaccurately reported, or verified in bad faith by your agencies. 



XXXX.XX/XX/XXXX FRAUDULENT ACCOUNT This account was opened fraudulently in my name by my ex while I was XXXX. I notified XXXX of this directly, and they were made fully aware that : I did not open or authorize this auto loan. 
I never possessed or signed for the vehicle. 
I even told XXXX the location of the car, and they subsequently recovered it. 
A police report was filed and submitted to all three credit bureaus. 

Despite this, Experian and TransUnion continue to report this account, nearly XXXX years later. Equifax previously removed it but has still failed to address related patterns of negligent reporting. 

This is a textbook case of identity theft under FCRA XXXX, and your failure to permanently remove it after receiving official notice, police documentation, and confirmation from the lender is a willful violation of : FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting known inaccurate information. 
FCRA XXXX Failure to reasonably investigate disputes. 
FCRA XXXX Civil liability for willful noncompliance. 



XXXX. XXXX XXXX XXXX LEMON LAW BUYBACK MISREPORTED AS REPOSSESSION You are falsely reporting this account as a repossession, when in fact the vehicle was returned through a California Lemon Law buyback. 
I provided complete documentation of the manufacturers repurchase directly to XXXX XXXX and the credit bureaus. 
The vehicle was returned voluntarily, processed through a legal manufacturer arbitration. 
There was no default, no missed payment, and no repossession. 

This false reporting has caused significant XXXX  to my credit profile. Your continued failure to correct it, despite multiple disputes and clear supporting documentation, constitutes : FCRA XXXX ( a ) ( XXXX ) Duty to update and correct information. 
FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure accuracy. 
Potential violation of California XXXX XXXX XXXX ( a ) Furnishing information with actual knowledge of error. 



XXXX. XXXX FRAUDULENT ACCOUNT you have failed to address or remove a fraudulent XXXX XXXX account that I did not open or authorize. Again : I did not sign for, initiate, or apply for any credit or purchase with XXXX. 
I never gave my ex ( or anyone ) permission to place accounts in my name. 
This account is the result of identity theft and you were notified through a prior CFPB complaint. 

Your previous response ignored this account entirely, and you are still reporting it in violation of : FCRA XXXX Mandatory blocking of identity theft-related information. 
FCRA XXXX ( a ) ( XXXX ) ( B ) Failure to delete unverifiable data. 
FCRA XXXX Willful noncompliance subject to civil liability. 



XXXX. SUSPICIOUS COLLECTION PATTERN & CONSUMER XXXX  There is an ongoing pattern where each time a collection or XXXX  item is removed, another appears within XXXX hours. This retaliatory-style reporting pattern is unacceptable, XXXX, and strongly indicative of either : XXXX  data handling, or malicious reinsertion in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( ii ) ( which prohibits re-reporting deleted items without notifying the consumer in writing ) XXXX. Suspicious Pattern of Recycled or Retaliatory Collections Within XXXX week of having XXXX invalid collections removed from my credit report, XXXX new collections were posted by different agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to my report, both were opened in XX/XX/XXXX, yet neither reported until XX/XX/XXXX, directly after prior deletions. 

This pattern suggests either : Reinsertion of previously deleted or sold accounts without notice, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( ii ), or Intentional rotation of debt by XXXX or furnishers to bypass prior disputes. 

I demand : XXXX validation of both new collections, including the original creditor, full chain of ownership, and contract bearing my signature ( if any ), Written confirmation that neither tradeline was previously deleted or disputed under a different XXXX name, Full deletion of any unverifiable or previously disputed debt now appearing under a new agency. 

XXXX. XXXX XXXX Fraudulent Account Improperly Labeled XXXX XXXX XXXX The XXXXXXXX XXXX  account, opened on XX/XX/XXXX, is falsely reported as XXXX XXXX XXXX  with {$6700.00} written off. This is factually and legally incorrect. I did not pay XXXX, nor did I agree to settle any debt. 

I have previously notified the credit bureaus this account was fraudulent and even filed a lawsuit against XXXX over this matter. 
I never applied for or authorized this real estate transaction. 
I submitted an identity theft report, and you were legally required to block this account within XXXX business days under FCRA XXXX ( XXXX ). 
Instead, you allowed it to remain and now mischaracterize the account as settled, which XXXX  my credit and implies I accepted liability. 

This is an inaccurate and defamatory reporting practice and a clear violation of : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be false, FCRA XXXX Failing to block identity theft data, FCRA XXXX ( b ) Failing to ensure maximum possible accuracy. 

I demand this account be completely removed from all credit files with immediate effect. Any continued reporting after notice and legal action will be treated as willful noncompliance, and I reserve all rights to pursue damages. 
XXXX. XXXX XXXX XXXX Multiple Unauthorized Accounts My Experian credit file is now showing XXXX separate loan accounts from XXXX XXXX XXXX, all opened within months of each other in XXXX. I have repeatedly stated I have never taken out a loan with XXXX  XXXX, and these accounts were not authorized by me. 

The fact that there are XXXX closed accounts reporting from the same lender in such a short span is highly suspicious and not reflective of any legitimate lending pattern. This is either : XXXX by a XXXXXXXX XXXX using my identity multiple times, or Recycled or fragmented reporting by the lender to inflate XXXX  tradelines. 

I have already disputed these accounts and notified the credit bureaus they were unauthorized, yet they remain. Your failure to act violates : FCRA XXXX Failure to block identity theft accounts within XXXX business days, FCRA XXXX Failure to reasonably investigate consumer disputes, FCRA XXXX ( a ) Continuing to report inaccurate information knowingly. 

I demand all XXXX XXXX  accounts be immediately deleted from my credit file across all bureaus. If you or the furnisher claim they are legitimate, I request full validation, including : Application data, IP addresses and device signatures, Contracts bearing my signature. 

If no such evidence is produced, these accounts must be permanently deleted. 

XXXX. XXXX XXXX XXXX Unauthorized and Excessive Reporting My Experian credit report currently shows XXXX tradelines from XXXX XXXX XXXX, including : XXXX open line of credit ( XX/XX/XXXX ), XXXX closed XXXX  cards ( XX/XX/XXXX, and XX/XX/XXXX ). 

I have never authorized any account with XXXX XXXX, and I have disputed this previously. These accounts appear to be : Fraudulent or opened without my consent, or Recycled debt or duplicative tradelines submitted under different formats. 

This pattern is consistent with identity theft or irresponsible furnishing of information, and your continued reporting violates : FCRA XXXX Failure to block fraudulent tradelines, FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting information with actual knowledge of errors, FCRA XXXX Inadequate reinvestigation of consumer disputes. 

I demand the full removal of all XXXX XXXX accounts unless the furnisher provides : Application and contract documentation bearing my actual signature, Device or IP logs proving I authorized these accounts, Full explanation of why multiple similar tradelines are appearing. 

XXXX. Identity Documents Already Provided I have included a clear copy of my government-issued drivers license and Social Security XXXX XXXX this dispute. Therefore, I am requesting that you do not email, call, or mail me requesting these documents again. 

I have fulfilled my obligation to verify my identity under FCRA XXXX and FCRA XXXX ( a ) ( XXXX ) ( A ). 

Continued or repeated requests for identity verification after valid documentation has been submitted will be treated as a willful delay tactic or noncompliance with your legal duty to investigate disputes in a timely manner. If this occurs, I will document it as part of a future legal claim under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief