Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Summary of Issue : This is my third attempt to have TransUnion, Experian, and Equifax comply with 15 U.S.C. 1681c-2. I submitted all required elements ( proof of identity, FTC Identity Theft Reports # XXXX and # XXXX, and identification of disputed accounts and inquiries ). Instead of blocking the disputed information within four ( 4 ) business days as required by law, the CRAs improperly initiated 1681i reinvestigations. This is a misrepresentation, bad-faith delay tactic, and willful violation of the Fair Credit Reporting Act ( FCRA ).

Violations : Failure to block disputed information within 4 business days ( 1681c-2 ).

Mischaracterization of my block request as a reinvestigation ( 1681i ).

Continuing to report accounts and inquiries without a permissible purpose ( 1681b ).

Failure to mark accounts as disputed ( Experian ). 
Failure to timely block and delete accounts after marking them disputed ( Equifax ). 
Negligent and willful noncompliance ( 1681n, 1681o ).

Aggravated identity theft ( 18 U.S.C. 1028A ).

Supporting Facts : I provided sufficient identifying information ( full name, DOB, last 4 of SSN, address, and government-issued ID ). The FCRA does not require disclosure of my full SSN to exercise rights under 1681c-2. My FTC identity theft reports were valid and timely submitted.

I clearly identified each unauthorized account and inquiry.

The CRAs responded on XX/XX/XXXX and XX/XX/XXXX, but failed to block the information and instead claimed to be investigating. 

On XX/XX/XXXX, I filed complaints with the CFPB regarding these violations. Despite these filings, the CRAs have still failed to comply in good faith.

Equifax : has marked the disputed accounts as under dispute but has failed to block and delete them for over 4 business days, violating 1681c-2.

Experian : has not marked the accounts as disputed at all, completely ignoring my identity theft report and complaint.

TransUnion : has mischaracterized my block request as an investigation.

This pattern demonstrates ongoing bad-faith conduct and willful violations of the FCRA.

Disputed Information TransUnion Charge-offs : XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$480.00} XXXX XXXXXXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$160.00} XXXX  XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$150.00} XXXX XXXX  opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$1500.00} XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} XXXX XXXX  opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} Collections : XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX , last reported XX/XX/XXXX, balance {$1300.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX  Experian Charge-offs : XXXX XXXXXXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$470.00}, acct ending XXXX XXXX  XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$390.00}, acct ending XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$140.00}, acct ending XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, last reported XX/XX/XXXX , balance {$1500.00}, acct ending XXXX XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX , balance {$0.00}, acct ending XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX XXXX XXXX {$0.00}, acct ending XXXX Collections : XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, balance {$1300.00} Hard Inquiries : XXXX XXXX XX/XX/XXXX Equifax Charge-offs : XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX reported XX/XX/XXXX, balance {$480.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$160.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$150.00} XXXX XXXX  opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$1500.00} XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$0.00} Collections : XXXX XXXX XXXX opened XX/XX/XXXX, last reported XX/XX/XXXX, balance {$1300.00} Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Statement : The disputed accounts and inquiries listed above are not related to any transactions I have authorized or consented to. They were reported without my consent and without a permissible purpose.

Company response to consumer: Closed with non-monetary relief