Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) XXXX immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, XXXX supporting materials over XXXX  days ago ( date of the letter ), XXXX  they failed XXXX comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX XXXX. XXXX, FCRA XXXX ( b ) : Failure XXXX ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure XXXX investigate disputes within XXXX days FCRA XXXX ( a ) ( XXXX ) : Failure XXXX reinvestigate XXXX issue findings XXXX XXXX. XXXX : Failure XXXX notify consumer of alleged debts XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information XXXX XXXX. XXXX : Identity theft XXXX misuse of personal data XXXX XXXX. XXXX ( XXXX ) : Failure XXXX provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards Nevada Revised Statutes ( XXXX ) Chapter XXXX Fraud XXXX False Personation : Violations related XXXX identity theft and consumer fraud ( e.g., XXXX XXXX, XXXX XXXX, XXXX XXXX ) Fraudulent Accounts and Violations : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ATHLETIC CLUBS ) o Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX blocking of this account. 
XXXX XXXX CREDIT o Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX blocking of this account. 
XXXX BANK XXXX XXXX Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : THE DISTRICT ON XXXX ) o Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX blocking of this account. 
CREDITONEBNK o Account XXXX : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX  blocking of this account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX blocking of this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX  blocking of this account. 
CALIFORNIA AUTO FINANC o Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX  blocking of this account. 
XXXX XXXX ( ORIGINAL CREDITOR : XXXX THE DISTRICT ON XXXX ) o Account Number : XXXX * * * * o Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX XXXX Violations o Request : I request removal XXXX blocking of this account. 
Additional Fraudulent Inquiries : Unauthorized credit inquiries by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCE, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT 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 XXXXXXXX, XXXX CA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX NA, 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 others XXXX XXXX removed XXXX. 
Incorrect Addresses : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, NV XXXX Incorrect Employers : XXXX XXXX XXXX HOTELS Incorrect Names : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal XXXX blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses XXXX  employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation XXXX sanctions for failure to comply with FCRA deadlines. 
XXXX or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security XXXX Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights XXXX remove damaging, false, XXXX fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief