Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
This complaint addresses Experian, TransUnion, and Equifax for a long-term pattern of unlawful behavior already recognized by federal regulators and courts nationwide. Each company received complete, redundant documentation proving my identity and address yet continues to ignore the Fair Credit Reporting Act ( FCRA ) requirements for blocking identity-theft data under 605B ( 15 U.S.C. 1681c-2 ). 

They were sentthrough every available secure channel FTC Identity-Theft Report # XXXX Government identification and proof of current address Multiple certified-mail dispute packets, secure-email submissions, secure-text transmissions, and CFPB portal uploads Formal FCRA Identifier Addendum and Compromised-Identifier Clause placing them on legal notice that prior identifiers were breached and unusable for verification Delivery and Escalation of Evidence Each full 1681c-2 ( a ) identity-theft packetincluding the Fraudulent/Correct Identifiers Exhibit, the Seven Fraudulent Accounts list, the Fraudulent Department of Education accounts, the Delete Demand for an Unverifiable Bankruptcy sourced through XXXX and other third-party resellers who claim to obtain it from PACER rather than the original court source, and the Fraudulent Inquiries summarywas mailed by certified USPS to each bureaus Consumer Dispute Department, and an identical copy was mailed to their Legal Department . 
Every packet contained the complete evidence set and a printed copy of the corresponding CFPB complaint showing that the matter was already under federal review. 
The bureaus therefore had overwhelming proof, in duplicate, of the fraud, the correct identifiers, and the applicable FCRA provisions yet still refused to apply the 605B block or issue written certification of compliance. 

Even after acknowledging these filings, the bureaus keep treating them as ordinary 611 reinvestigations, issuing generic responses such as address unverifiable or FTC report invalid because online-generated. Those statements are false and represent deliberate attempts to evade the four-business-day blocking requirement in 605B ( b ). 

Proof Already in Their Possession All three bureaus have my Consumer Statements dated XX/XX/year>, which repeat my verified identifiers and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. TransUnion already displays this statement in my disclosure. These same identifiers appear across my FTC filing, XXXX XXXX XXXX XXXX statements, and addenda on file with each bureau. 
Therefore, any claim that my address or identity can not be verified is knowingly false. Despite this, they continue to send correspondence and data containing my personally identifiable information ( PII ) to the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as to incomplete or incorrect variants of my current address, exposing me to further identity theft and financial loss. 
This is a clear violation of 605B ( a ) ( b ) and 607 ( b ) and raises serious privacy concerns about where my data has been sent. 

Systemic Pattern of Misconduct This is not an isolated error. It mirrors the same systemic non-compliance pattern for which the bureaus have been fined repeatedly by regulators : ignoring identity-theft filings, recycling breached data, and delaying lawful blocks until consumers give up. 
Such conduct violates 605B ( a ) ( b ), 607 ( b ), 603 ( q ) ( 4 ), and 616617. These actions form a continuous scheme that financially harms consumers who depend on accurate credit for housing, employment, and transportation. The bureaus operate as a private triopoly controlling essential economic access while systematically violating the very statutes created to regulate them. 

Summary The CFPB and FTC already know that the credit-reporting system repeatedly fails identity-theft victims. My case shows that Experian, TransUnion, and Equifax are continuing the same unlawful conduct today despite prior enforcement actions. I request direct CFPB oversight, mandatory compliance verification, and confirmation that these entities will finally be held accountable under federal law.

Company response to consumer: Closed with non-monetary relief