Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX COMPLAINT # XXXX - TransUnion LLC Summary : I submitted a valid identity theft block request under FCRA XXXX to TransUnion. Despite providing my identity theft affidavit, proof of identity, and supporting documentation, TransUnion denied the block request, citing prior disputes and irrelevant reasons like " payment history '' or " ownership. '' TransUnion continues to report multiple fraudulent accounts, including : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Case # XXXX ( discharged in XXXX, should be removed XXXX ) These accounts are either re-aged, show conflicting remarks ( Paid in Full + Charged Off ), or report long after closure/sale. TransUnion has violated FCRA 605B, 1681s-2 ( b ), and 1681i. 
Requested Resolution : Page XXXX Dispute Letter - XXXX XXXX XXXX Immediate deletion of all disputed accounts and a full investigation. I also request monetary damages for ongoing credit and emotional harm. -- COMPLAINT # XXXX - Equifax Summary : Equifax refused to process multiple valid disputes, calling them " frivolous '' and at one point rejected my ID. 
Despite supplying proof of identity, a police report, and multiple dispute letters, they continue to report : - 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 Bankruptcy Case # XXXX ( XXXX in XXXX, should be removed XXXX ) This violates FCRA 1681i ( failure to reinvestigate ), 605B ( ID theft block refusal ), and 1681s-2 ( furnishing false info ).

Requested Resolution : Permanent deletion of all disputed accounts. Investigation of Equifax 's failure to follow the law. -- COMPLAINT # XXXX - Experian Page XXXX Dispute Letter - XXXX XXXX XXXX Summary : Despite my submission of an identity theft affidavit and police report, Experian has not removed the following fraudulent accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Case # XXXX ( XXXX in XXXX, should be removed XXXX ) Experian is violating FCRA 1681s-2 ( b ) and 605B by continuing to report harmful and false information. 
Requested Resolution : Remove all fraudulent accounts and update the bankruptcy record properly. -- These drafts are ready to copy and paste into the CFPB website 's complaint form : https : //www.consumerfinance.gov/complaint/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Violation Parties FCRA 605B Refused block request after valid ID theft claim TransUnion, Equifax FCRA 1681i Failure to reasonably reinvestigate Equifax, TransUnion FCRA 1681s-2 ( b ) Continuing to report inaccurate info after disputes All XXXX bureaus FDCPA 809 No proper debt validation ( XXXX XXXX, XXXX, XXXX ) Debt collectors Re-aging / inaccurate remarks Charged-off + Paid-in-full conflict, monthly C/O reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emotional/financial distress Supporting documentation of medical harm, denials Basis for damages claim

Company response to consumer: Closed with non-monetary relief