Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Urgent Identity Theft Dispute and Demand for Immediate Removal of Fraudulent Accounts and Inquiries under the FCRA To Whom It May Concern : I am filing this formal complaint with the CFPB pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a victim of identity theft, I am demanding an immediate and thorough investigation into the numerous fraudulent accounts and inquiries appearing on my credit report, as detailed in my attached FTC Identity Theft Report ( Report # XXXX ) and current 3-bureau credit file dated XX/XX/2025. 









Background and Legal Basis : I submitted a valid Identity Theft Report under 15 U.S.C. 1681c-2 ( Section 605B ), supported by documentation and a signed affidavit under penalty of perjury. Despite this, the following fraudulent accounts and inquiries continue to appear across TransUnion, Equifax, and Experian, in direct violation of : 15 U.S.C. 1681c-2 ( a ) Prohibiting the reporting of identity theft information after a valid identity theft report is submitted 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandating prompt reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Requiring furnishers of information to fully investigate upon notice from a CRA 15 U.S.C. 1681b ( c ) ( 1 ) Prohibiting unauthorized hard inquiries without permissible purpose Fraudulent Accounts Identified ( Must Be Deleted Immediately ) 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 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  ( See full list in attached credit report and FTC Identity Theft Statement ) My Demands : I am requesting the following immediate actions : Permanent removal of all listed fraudulent accounts and inquiries from all consumer reporting agencies under 15 U.S.C. 1681c-2 ( b ).

Full results of each reinvestigation per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Certification that the fraudulent data will not be reinserted without meeting the conditions of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Investigation and enforcement against any furnishers who have violated 1681s-2 ( b ) by continuing to report fraudulent information after receiving proper notice.

Supporting Documentation : FTC Identity Theft Report # XXXX ( signed and dated ) Copy of current 3-Bureau Credit Report ( XXXX XX/XX/2025 ) Consumer fraud alerts already active with all 3 credit bureaus List of disputed accounts and inquiries Conclusion : The presence of this fraudulent data is causing severe and ongoing financial harm, including denial of credit and increased scrutiny. I am asserting my full legal rights under federal law and demanding the CFPB initiate formal action against all involved credit bureaus and furnishers for willful noncompliance with federal law.

Should this matter not be resolved within the legally required timeframes, I am prepared to escalate to civil litigation and notify the State Attorney General of Missouri and the FTC for regulatory enforcement. 







Respectfully, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation