Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please check the information concerning the Equifax data breach and ftc report below in attachments I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 by failing to remove fraudulent accounts within the legally required four business days after receiving my FTC Identity Theft Report and supporting documents. Despite submitting my FTC report via email to Equifax on XX/XX/year>, and resending it via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), Equifax has failed to remove all fraudulent accounts and continues to illegally delay the process by falsely tying my case to a dispute, which is a direct violation of federal law. I called the Equifax Fraud Department multiple times, including a call on XX/XX/year>, when an agent confirmed that everything had been removed except for three itemsI have a recorded call proving this. However, when I followed up, Equifax agents repeatedly refused to assist, falsely claimed that my FTC report did not mention specific accounts, and improperly used the dispute process as an excuse to delay removal, despite FCRA regulations requiring immediate removal of fraudulent accounts. On XX/XX/year>, I spoke to two different agentsthe first refused to help and falsely cited the dispute process, and the second confirmed that Equifax had my FTC report but then falsely stated it did not mention specific accounts, despite my personal statement clearly listing that only two accounts should remain on my credit report, with all others being fraudulent. When I demanded to speak with a manager, he also refused to help, falsely claimed that Equifax never received my FTC report, and refused to disclose his location. This is a blatant violation of my rights under federal law. Under 15 U.S. Code 1681c-2, Equifax was legally required to block and remove all fraudulent accounts within four business days of receiving my FTC Identity Theft Report, which they confirmed receiving. Equifax is now past the legal deadline and is in direct violation of federal law. Refusing to remove identity theft accounts and falsely tying them to a dispute process is illegal under the FCRA. Equifax agents knowingly misrepresented the facts, obstructed my ability to correct my credit report, and caused financial harm by delaying the removal of fraudulent accounts, preventing me from securing business funding. I am demanding the immediate and permanent removal of all fraudulent accounts, a written confirmation and updated credit report reflecting these removals, the names of the agents and manager who refused to comply with federal law, and an official explanation from Equifax for their failure to follow FCRA regulations. If Equifax does not comply immediately, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) for FCRA violations, the Federal Trade Commission ( FTC ) for non-compliance with federal consumer protection laws, and the XXXX for discriminatory practices preventing me from securing business funding. I will also be pursuing legal action against Equifax for financial damages caused by their illegal delay. Equifax has had more than four business days to comply with the law. If these fraudulent accounts are not removed immediately, I will take every legal action necessary. This must be resolved today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation