Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
b'CFPB Complaint Update / Escalation\nConsumer: XXXX XXXX XXXXDate of Birth: XXXX\nSSN (Last 4): XXXX\nAddressXXXX XXXX XXXX XXXX XXXX  MI XXXX\nGovernment-Issued Photo ID: XXXX XXXX XXXX XXXX XXXXFTC Identity Theft Report: XXXXOriginal CFPB Complaint IDs / Filing DatesXXXXEquifax  XXXX  (Filed XXXXXXXXExperian  XXXX (Filed XXXXTransUnion LLC  XXXXXXXX  (Filed XXXXXXXXStatement of DisputeXXXXI am a confirmed victim of identity theft. The accounts and inquiries listed below are unauthorized, inaccurate, and not related to any transaction I authorized or consented to.\nI provided proof of identity, a valid FTC Identity Theft Report, and identification of disputed accounts and inquiries, and included my signed statement confirming the items are not authorized transactions.\nDespite this, Equifax, Experian, and TransUnion have failed to block or remove the disputed items within the 4-business-day window required by 15 U.S.C. 1681c-2(a).\nThe CRAs are mischaracterizing this 1681c-2 block request as a 1681i reinvestigation, which is legally insufficient and demonstrates bad faith.\nReporting accounts without a permissible purpose under 15 U.S.C. 1681b constitutes aggravated identity theft under 18 U.S.C. 1028A.\nDisputed Accounts / Balances\nTRANSUNIONXXXX XXXX XXXX: Opened XXXX, Last reported XXXX, Balance $XXXXXXXX XXXX XXXX  Opened XXXXXXXX, Last reported XXXX  Balance XXXX XXXX Opened XXXX  Last reported XXXX Balance XXXXCharge-offs:XXXX  Opened XXXX Last reported XXXX, Balance XXXX XXXX: Opened XXXX Last reported XXXX Balance XXXX Opened XXXX Last reported XXXXXXXX, Balance XXXX: Opened XXXX Last reported XXXX, Balance XXXX: Opened XXXX Last reported XXXX Balance XXXX: Opened XXXX, Last reported XXXX Balance XXXXHard InquiriesXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX XXXX XXXX Opened XXXX, Last reported XXXX  BalancXXXX XXXXCharge-offs:XXXX XXXX: Opened XXXX, Last reported XXXX, Balance XXXX XXXX: Opened XXXX Last reported XXXX  Balance XXXX XXXX XXXX XXXX Opened XXXX, Last reported XXXXXXXX, Balance XXXX XXXX Opened XXXX, Last reported XXXX, Balance XXXX XXXX Opened XXXXXXXX Last reported XXXX, Balance XXXX XXXX XXXX XXXX Opened XXXX  Last reported XXXX  Balance XXXX XXXX  XXXX  Opened XXXX, Last reported XXXX, Balance $XXXXHard InquiriesXXXX XXXX XXXXXXXXEXPERIANXXXXCollectionsXXXX XXXX XXXX Opened XXXX Balance XXXX XXXX XXXX  Opened XXXX, Last reported XXXX Balance XXXX XXXX XXXX XXXX: Opened XXXX, Last reported XXXX Balance XXXXCharge-offsXXXX XXXX Opened XXXX, Last reported XXXX, Balance XXXX, Account XXXX XXXXXXXX XXXX XXXX Opened XXXX Last reported XXXX, Balance XXXX, Account # XXXX XXXX XXXX XXXX Opened XXXX  Last reported XXXX  Balance XXXX, Account # XXXX  Opened XXXX Balance $XXXX Account XXXX XXXX: Opened XXXX Balance XXXX Account XXXX XXXX Opened XXXX, Last reported XXXX, Balance XXXX  Account # XXXX XXXX: Opened XXXX Last reported XXXXXXXX, Balance XXXX  Account XXXX XXXXOther:XXXX XXXX XXXX XXXX XXXX: Opened XXXX Last reported XXXX  Balance XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX: Opened XXXX, Last reported XXXX Balance XXXX Account XXXX XXXXHard Inquiries:XXXX XXXX XXXX XXXXLegal Basis / Awareness of FCRA Elements\nCount I  Failure to Follow Reasonable Procedures (1681e(b))\nEquifax, Experian, and TransUnion published inaccurate information.\nThey failed to follow reasonable procedures to ensure maximum possible accuracy.\nThese failures cause or risk actual damages.\nCount II  Failure to Conduct a Reasonable Reinvestigation (1681i)\nThe consumer files maintained by Equifax, Experian, and TransUnion contain inaccurate or incomplete information.\nI notified them of these inaccuracies.\nMy dispute is not frivolous.\nEquifax, Experian, and TransUnion failed to conduct a reasonable reinvestigation or misclassified my 1681c-2 block request.\nThese failures cause or risk damages.\nCount III  Failure to Block Identity Theft Information (1681c-2(a))\nI provided proof of identity and FTC Identity Theft Report.\nI identified the disputed accounts and inquiries.\nI stated the information is not related to any transaction by me.\nEquifax, Experian, and TransUnion failed to block these items within four business days, violating 1681c-2(a).\nMischaracterizing this as a 1681i investigation demonstrates bad faith and noncompliance.'

Company response to consumer: Closed with explanation