Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
My vehicle was burgled while I was in church. The thief stole my entire wallet that I mistakenly left in my vehicle.. This crime resulted in me becoming a XXXX XXXX XXXX XXXX. Specific details about this crime happening to me have been provided to Experian, Equifax, and Transunion in the form of a dispute. Each dispute consisted of : A Cover Letter A Letter of Explanation Federal Trade Commission Identity Theft Report ( s ) Proof of Identity & Proof of Address My disputes were provided to Experian, Equifax, and Transunion via certified mail, for which I have proof of each credit reporting agencys receipt. 

Each Letter of Explanation informed that the items listed within the enclosed dispute, which appears on my credit report, do not relate to any transaction that I have made. That they are the result of identity theft, and I requested that each fraudulent disputed item be blocked from my credit report. 

I also requested that the reporting be discontinued of each fraudulent item mentioned to any and all credit reporting agencies immediately. 

Since this dispute was received and processed, I have received nothing except for each credit reporting agencys written response that items would not be blocked, and how their decision not to block the items is because they believe I hired a credit repair company to dispute these items from my credit report, which I have never hired or that they believe I am doing this to personally gain or break the law, which is a loaded insult and assumption that if they did their investigations properly, they would see is absolutely not the case here. Each dispute has been submitted directly from me. Its also been explained that the creditor ( S ) have certified that the debt belongs to me, which my reply has been that I certify that the debts absolutely do not belong to me. 

Here is what I specifically requested in my letter to each credit bureau : I request that you conduct a thorough investigation into this matter and provide me with the following details : I would like to see a complete list of all documents and correspondence utilized to confirm the validity of the above referenced fraudulent credit accounts. Please include all names and contact information of employees that you spoke with for the above referenced credit accounts, their job titles, and the date and times you spoke with them as part of this investigation. Please also include the questions and/or documents that you asked/used to prompt for the information they provided. Please also include the dates and times of said prompts to the above referenced creditors, and the dates and times that the above referenced fraudulent creditors provided you their reply to your request. Please also provide written confirmation of the results of your investigation within the timeframe mandated by the FCRA. If the information is found to be inaccurate, incomplete, or unverifiable, I demand that it be promptly deleted or corrected This CFPB Complaint is being submitted in an effort to have my rights established in the Fair Credit Reporting Act, be properly respected, so the fraudulent items established after this unfortunate crime committed against me occurred, be blocked from my credit report, and I can only be held responsible for accounts that actually belong to me, that were established by me, and not an anonymous criminal.

Company response to consumer: Closed with explanation