Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/year> SSN : XXXX ( As documented in the uploaded dispute letters ) To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Subject : Formal CFPB Complaint Violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, TransUnion, and Multiple Furnishers Dear CFPB Representative, I am filing this formal complaint to report multiple, ongoing, and serious violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, TransUnion, and several furnishers who continue reporting fraudulent accounts, delinquent accounts I do not owe, and unauthorized hard inquiries despite receiving identity theft reports and written disputes. 

My attached dispute letters sent to each bureau ( referenced below ) demonstrate clear documentation that I am a victim of identity theft, and that the bureaus and furnishers have failed to comply with their mandatory FCRA obligations. 



1. FCRA VIOLATIONS RELATED TO FRAUDULENT/DELINQUENT ACCOUNTS A. Violations of FCRA 605B Failure to Block Identity-Theft-Related Accounts Under FCRA 15 U.S.C. 1681c-2, the credit bureaus must : Block fraudulent information within 4 business days of receiving : Identity Theft Report Proof of identity Written request identifying fraudulent items All three bureaus received these materials from me ( as shown in my uploaded letters ) : Equifax identity theft dispute : Experian identity theft dispute : TransUnion identity theft dispute : Each furnishersuch as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and otherscontinues to report fraudulent accounts even after receiving notice from the bureaus. 
This violates : FCRA 623 ( a ) ( 6 ) Duty of furnishers upon notice of identity theft They MUST stop reporting and MUST not sell or transfer the debt. 

They have not stopped. 



2. FCRA VIOLATIONS RELATED TO UNAUTHORIZED HARD INQUIRIES I also disputed dozens of unauthorized hard inquiries with all three credit bureaus. 

Uploaded evidence includes : Equifax inquiry dispute : Experian inquiry dispute : TransUnion inquiry dispute : Violations include : A. FCRA 604 Lack of Permissible Purpose A credit bureau or creditor may not access a consumer report without : A credit application A signed authorization A statutorily defined permissible purpose I requested proof of permissible purpose from each bureau. None provided it. 

This is a violation of : FCRA 607 ( a ) Duty to maintain reasonable procedures ensuring inquiries are only made for permissible purposes FCRA 611 ( a ) Duty to conduct a reasonable dispute investigation The bureaus did not provide : Applications IP logs Signature proof Any documentation verifying I requested credit They continue to report the inquiries anyway. 



3. FAILURE TO INVESTIGATE UNDER FCRA 611 Under FCRA 611 ( a ) ( 1 ) ( A ), bureaus must : Conduct a reasonable reinvestigation Delete or correct inaccurate data within 30 days Provide written results Despite receiving detailed dispute letters ( all included in attachments ), bureaus : Failed to block fraudulent accounts Failed to delete unauthorized inquiries Failed to respond with adequate documentation Continued reporting inaccurate and damaging information This is a direct violation. 



4. FAILURE OF FURNISHERS TO MEET THEIR OBLIGATIONS UNDER 623 All furnishers who continued reporting fraudulent accounts also violated : FCRA 623 ( a ) ( 1 ) ( A ) They may NOT furnish information they know or should know is inaccurate. 

FCRA 623 ( b ) After a dispute is forwarded by a CRA, furnishers must : Conduct an investigation Review all evidence Report results Correct/delete inaccurate information This was not done. 



5. REQUEST FOR CFPB ACTION I request that the CFPB open a formal investigation into : A. All three credit bureaus Experian Equifax TransUnion B. All furnishers involved, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other entity listed in my disputes I request the CFPB enforce the following actions : 1. Immediate removal and blocking of all fraudulent/delinquent accounts under 605B. 
2. Immediate deletion of all unauthorized inquiries under 604 & 607 ( a ). 
3. Require all furnishers to : Provide proof of permissible purpose Provide signed applications ( if they claim validity ) Cease all reporting of fraudulent accounts 4. Require the CRAs to issue corrected credit reports. 
5. Impose fines as applicable for clear and ongoing violations. 



6. Evidence Included I am attaching the following : Identity Theft Report Government ID SSN documentation Full credit reports with fraudulent items marked All bureau dispute letters and inquiry disputes : Equifax delinquent account dispute : Experian delinquent account dispute : TransUnion delinquent account dispute : Equifax inquiry dispute : Experian inquiry dispute : TransUnion inquiry dispute : Conclusion The ongoing inaccurate reporting of fraudulent accounts and unauthorized inquiries has caused significant harm to my credit, financial stability, and personal security. The failure of the credit bureaus and furnishers to comply with multiple sections of the FCRA warrants CFPB intervention. 

I request immediate assistance and enforcement. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation