Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I am writing to file an official complaint against the three major credit reporting agenciesExperian, Equifax, and TransUnionfor their continued violations of the Fair Credit Reporting Act ( FCRA ) and their failure to properly investigate and correct inaccurate, fraudulent, and harmful information on my credit report. 

On [ insert dates ], I sent certified mail with signature confirmation to Experian, Equifax, and TransUnion, requesting verification of several debt collections, closed accounts, and false late payment entries that appear on my credit profile. These accounts are either fraudulent, unverifiable, or inaccurately reported. Along with my letters, I included notarized documents from my attorney supporting my identity theft claims and disputing the validity of the items in question. 

I have also completed and submitted an Identity Theft Report through the FTC and attached all supporting documentation. In addition, I submitted an identity affidavit, providing further evidence of identity theft. Despite this, the credit bureaus have failed to remove the fraudulent and unverifiable entries in accordance with federal law. 

Specifically, Experian initially removed a XXXX  XXXX XXXX debt, acknowledging the dispute, and then reinserted the account without proper notification or valid documentation, which is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). Under this section, a consumer reporting agency must notify the consumer within 5 business days of reinserting previously deleted information and must provide the source of that information. This did not occur. 

I provided each bureau with 15 days to respond with verification of the debts in question. To date, none of the credit bureaus have responded with sufficient proof or conducted a meaningful investigation. This negligence not only violates the FCRA, but also the Fair Debt Collection Practices Act ( FDCPA ) if any of these accounts involve debt collectors reporting unverifiable or false information. 

I am a victim of identity theft, and under FCRA Section 605B, the credit bureaus are required to block identity theft-related information from a credit report within four business days of receiving proof of identity theft, such as an FTC report and a police or sworn identity theft report. Despite having submitted all required documentation, they have not complied with this legal obligation. 

These actions are reckless, harmful, and illegal, and I believe I am being treated unfairly and unjustly. These false entries have significantly damaged my credit profile and have made it extremely difficult for me to obtain housing, employment, and financial opportunities necessary to improve my life. 

It is also worth noting that these agencies have a history of being sued for failing to conduct proper investigations and for mishandling identity theft disputes, which further validates the seriousness of this matter. 

This letter serves as my final attempt to resolve this dispute before pursuing legal action. If no immediate corrective action is taken by the credit bureaus, I will be filing formal complaints with federal courts, seeking compensation for damages caused by the deliberate disregard of my consumer rights and the unlawful destruction of my credit standing. 

Please consider this my formal request for CFPB intervention in this matter and investigate these ongoing violations by Experian, Equifax, and TransUnion. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief