Consumer complaint received 2025-12-09 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: AZ

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and both Experian and Equifax have continued to report fraudulent accounts, unauthorized hard inquiries, and incorrect personal information on my credit file. I submitted a formal FCRA 605B Identity Theft Information Block Request, including my identity theft documentation, but the bureaus did not block the identity-theft information as required by 15 U.S.C. 1681c-2 ( FCRA 605B ).

Under federal law, the credit bureaus are required to block identity-theftrelated information within four ( 4 ) business days after receiving proper documentation. Despite providing my FTC Identity Theft Report, proof of identity, and supporting evidence, the inaccurate information remains on my credit report and continues to cause financial harm. 

1. Incorrect Personal Information My credit report contains personal data that does not belong to me and is a result of identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have never lived at these addresses, and this personal information is not associated with me. 

2. Fraudulent Accounts That Must Be Blocked Under 605B The following accounts were opened without my authorization and are identity-theft accounts. They must be blocked and permanently removed : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$34000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} * * I did not open any of these accounts. They were created through fraudulent activity and should have been blocked immediately under FCRA 605B.

3. Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge or consent. The credit bureaus have not provided wet-ink signed authorization, which is required to prove legitimacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are identity-theft related and must be removed. 

4. Failure to Comply with FCRA 605B Despite receiving my identity theft documents, the credit bureaus did not : Block the fraudulent accounts Remove the unauthorized hard inquiries Delete incorrect personal information Prevent continued reporting of identity-theft data This failure violates the FCRA requirement to block identity-theft information no later than four business days after receiving valid documentation. 
The continued reporting of fraudulent information has caused severe damage to my credit and financial stability. 

I am requesting CFPB assistance to enforce my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation