Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against Equifax, Experian, and TransUnion for their continued and willful violations of federal consumer protection laws. Despite my repeated disputes supported by documentation, the Bureaus have refused to remove fraudulent accounts, unauthorized inquiries, inaccurate personal identifiers, and data they are legally obligated to correct or block. 

The presence of these fraudulent items continues to cause substantial financial harm and violates numerous federal and state laws, as well as Metro 2 reporting standards. 

Disputed Accounts ( Fraudulent ) : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries ( Without Consent ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Others Fraudulent or Inaccurate Personal Identifiers : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations by All Bureaus : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to investigate disputes within 30 days 15 U.S.C. 1681i ( a ) ( 6 ) Failure to reinvestigate unresolved disputes 15 U.S.C. 1681g ( e ) Failure to provide identity theft resources 15 U.S.C. 1681c-2 Failure to block fraudulent information upon request Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ) Failure to notify of debt within five days of reporting Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S.C. 68016809 Failure to safeguard consumer information Identity Theft and Assumption Deterrence Act : 18 U.S.C. 1028 Willful retention and re-reporting of identity theft accounts Federal Trade Commission Guidelines : FTC Identity Theft Program 15 U.S.C. 1681g ( e ) Failure to issue fraud alerts or follow victim protocols Metro 2 and CDIA Guidelines : Improper data furnishing and inconsistent reporting across bureaus Florida Identity Theft Statutes : Failure to honor consumer rights and protection under Florida criminal statutes regarding identity theft Requested Relief : I request the CFPB immediately enforce the following remedies against Experian, Equifax, and TransUnion : Permanent Removal and Blocking of all : Fraudulent accounts Unauthorized hard inquiries Incorrect names, employers, and addresses Written Confirmation from all three credit bureaus stating full deletion of the above and providing updated, corrected reports.

Fraud Alerts Implementation and access to all identity theft victim resources required by law.

Investigation Documentation : Provide full records of investigation methods and outcomes for how the data was reported and why it was not removed despite dispute. 

Supporting Documentation ( Attached/Provided ) : Government-issued ID Social Security Card Police Reports Proof of Address All Letters to Equifax, Experian, and TransUnion ( dated XX/XX/year> XXXX Final Statement : These actions by the credit bureaus are intentional, negligent, and in direct violation of multiple federal and state laws. I am demanding immediate regulatory enforcement to permanently remove and block all aforementioned fraudulent and inaccurate data. These violations must not only be corrected, but the Bureaus should also be held accountable for noncompliance with consumer protection statutes.

Company response to consumer: Closed with non-monetary relief