Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXX/XX/XXXX XXXX XXXX Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Complaint for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and fraudulent information being reported on my consumer credit files with Equifax, Experian, TransUnion, XXXX, and other affiliated consumer reporting agencies. Despite submitting valid identity theft reports and dispute letters, the disputed accounts and inquiries remain uncorrected or unresolved. 

Accounts in Question : XX/XX/XXXXXXXX BANK XXXX Acct # XXXX XXXX OF XXXX XXXX Acct # XXXX / # XXXXXX/XX/XXXXAcct # XXXXXX/XX/XXXXAcct # XXXXXX/XX/XXXXAcct # XXXX These accounts were opened or reported fraudulently as a result of identity theft, and I have never authorized nor benefited from these transactions. 



FCRA Violations Cited : XXXX. FCRA XXXX ( XXXX ) States that consumer reporting must be fair, impartial, and respect the privacy and accuracy of consumer information. Reporting fraudulent accounts violates this standard. 
XXXX. FCRA XXXX ( c ) Defines consumer report and mandates that all reported data must be verified and accurate. 
XXXX. FCRA XXXX ( 15 U.S.C. XXXX ) Requires CRAs to block information that results from identity theft within XXXX business days of receiving proof of identity and an identity theft report. 
XXXX. FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Requires reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Failure to verify these fraudulent accounts breaches this section. 
XXXX. FCRA XXXX ( 15 U.S.C. XXXX ) Mandates that CRAs conduct a reasonable reinvestigation within XX/XX/XXXX days of receiving a dispute. Failure to delete or correct unverifiable data is a direct violation. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) ( 15 U.S.C. XXXX ) Prohibits furnishers from reporting information known or believed to be inaccurate. The creditors listed continued reporting after being notified of identity theft. 
XXXX. FCRA XXXX ( b ) Requires furnishers to investigate disputed information when notified by a CRA and correct any inaccuracies immediately. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Entitles me to the full disclosure of all information in my file. Requests for verification of these accounts were ignored or inadequately addressed. 
XXXX. FCRA XXXX ( a ) Requires disclosure when adverse action is taken based on a consumer report. No proper notice was issued by the furnishers or CRAs in question. 
XXXX. FCRA XXXX & XXXX Establishes civil liability for willful or negligent noncompliance, entitling consumers to damages, attorney fees, and other relief for these violations. 



Requested Action by CFPB : XXXX. Require Equifax, Experian, TransUnion, and XXXX to immediately remove all fraudulent and unverifiable accounts and block any re-reporting of the same under XXXX. 
XXXX. Investigate XXXX XXXX Bank XXXX XXXX XXXX of XXXX XXXX, XXXXXX/XX/XXXX and XXXX XXXX Services for willful furnishing of false data under XXXX ( a ). 
XXXX. Enforce penalties and compliance orders ensuring these entities adopt proper identity theft procedures. 
XXXX. Require all CRAs to send a written confirmation of deletion and verification procedures as mandated by XXXX ( a ) ( XXXX ). 



Enclosures : Identity Theft Report ( FTC/Police Report ) Government-issued Photo ID Copies of Credit Reports with Disputed Items Highlighted Certified Mail Proof of Delivery to CRAs and Furnishers Copies of Prior Dispute Letters # # # FCRA Violations XXXX. * * XXXX ( A ) * * Consumer reporting must be fair, accurate, and respect privacy. Reporting fraudulent data violates this section. 
XXXX. * * XXXX ( c ) * * Defines consumer report and mandates verified, accurate information only. 
XXXX. * * XXXX ( 15 U.S.C. XXXX ) * * CRAs must block identity theft data within XXXX business days of receipt. 
XXXX. * * XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) * * Requires procedures ensuring maximum possible accuracy. 
XXXX. * * XXXX ( 15 U.S.C. XXXX ) * * Mandates a reasonable reinvestigation within XX/XX/XXXXdays of dispute. 
XXXX. * * XXXX ( a ) ( XXXX ) ( A ) * * Prohibits furnishers from reporting information known or believed to be inaccurate. 
XXXX. * * XXXX ( b ) * * Requires furnishers to investigate disputes upon CRA notification. 
XXXX. * * XXXX ( a ) ( XXXX ) ( A ) * * Guarantees full disclosure of all information in the consumers file. 
XXXX. * * XXXX ( a ) * * Requires disclosure when adverse action is taken based on a consumer report. 
XXXX. * * XXXX & XXXX * * Provides civil liability for negligent or willful noncompliance. 
-- - # # # FCRA Violations Regarding Public Record Information XXXX. * * XXXX * * Public record data can not be obtained or reported without permissible purpose or consumer consent. 
XXXX. * * XXXX ( a ) * * Requires procedures ensuring data is obtained only for permissible purposes. 
XXXX. * * XXXX ( b ) * * Public record data must be verified for maximum possible accuracy. 
XXXX. * * XXXX ( a ) ( XXXX ) ( A ) * * Consumers must be informed of the source of any public record data. 
XXXX. * * XXXX ( a ) * * CRAs must disclose public record data clearly and accurately. 
XXXX. * * XXXX * * Requires reasonable reinvestigation of disputed public record information. 
XXXX. * * XXXX * * Requires notice to the consumer within XXXXXX/XX/XXXX if public record data is reported. 
XXXX. * * XXXX ( a ) * * Prohibits obsolete public record information older thanXX/XX/XXXX years. 
XXXX. * * XXXX ( a ) ( XXXX ) ( A ) * * Prohibits furnishers from providing inaccurate or unverifiable public record data. 
XXXX. * * XXXX & XXXX * * Establishes consumer rights to damages for noncompliance. 
-- - # # # Requested Actions by CFPB XXXX. Require all bureaus to immediately remove all fraudulent and unverifiable accounts. 
XXXX. Investigate all furnishers for willful reporting of false data. 
XXXX. Enforce penalties and compliance orders for violations. 
XXXX. Require written confirmation of deletion and investigation methods used. 
-- - * * Enclosures : * * - Identity Theft Report ( FTC/Police ) - Photo ID - Credit Reports with Highlighted Disputes - Proof of Delivery to Bureaus and Furnishers - Copies of Prior Dispute Letters Declaration : Under penalty of perjury, I affirm that the above statements are true, complete, and made in good faith in accordance with my rights under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Please confirm receipt of this complaint and provide written notice of the actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief