Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
Subject : Failure to Address Credit Reporting Errors and Disputed Fraudulent Information On XX/XX/year>, I contacted XXXX, XXXX, and Equifax to dispute several fraudulent accounts, names, and addresses appearing on my credit report. These inaccuracies are the result of identity theft, and I provided all three credit reporting agencies with clear notice of this issue, along with supporting documentation. 

Specifically, I identified the following fraudulent credit card accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX Installment Loans Company Name XXXX XXXX  Fraudulent account opened at XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Florida, XXXX. 

In addition to the fraudulent accounts, I disputed several false names and addresses associated with these accounts that are unrelated to me or my credit history. 

I requested that these fraudulent accounts, names, and addresses be investigated and removed within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). However, while the credit reporting agencies claim these disputes were " investigated, '' they failed to disclose any valid explanation for why these fraudulent accounts remain on my credit report. This lack of transparency and action violates multiple consumer protection laws.

The following violations of federal law have occurred : 1. Failure to Conduct a Reasonable Investigation : Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, credit reporting agencies are required to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information.

2. Failure to Ensure Accuracy of Information : Under 15 U.S. Code 1681e ( b ) - Accuracy of report, the credit reporting agencies are obligated to maintain maximum possible accuracy in credit reports, which they failed to do.

3. Failure to Provide Information on Dispute Outcomes : The agencies have not provided sufficient information on why the disputes were resolved against me or why the fraudulent information remains on my profile, violating my rights under the FCRA.

Their inaction has caused ongoing harm to my financial standing and creditworthiness, including denials of financial opportunities, elevated stress, and reputational damage.

Resolution Sought : 1. Immediate Removal : All fraudulent credit card accounts, names, and addresses must be deleted from my credit report, including : - Fraudulent Installment accounts associated with false addressed - Fraudulent credit card account - Any and all false addresses and names associated with these accounts.

2. Explanation of Findings : A detailed explanation as to why the disputes were not resolved in my favor and why the fraudulent information was allowed to remain.

3. Compliance with Federal Laws : Full adherence to the FCRA, including conducting proper investigations and removing unverifiable information promptly. 
XXXX. Corrective Action : A formal investigation into the failures of XXXX, XXXX, and Equifax to comply with their legal obligations. 

I respectfully request the CFPBs intervention to address these violations, ensure compliance, and restore accuracy to my credit report. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX ( XXXX ) XXXX XXXX Let me know if you need further updates or would like to proceed with filing this complaint!

Company response to consumer: Closed with explanation