Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
CFPB COMPLAINT FAIR CREDIT REPORTING ACT VIOLATIONS Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX : XX/XX/1979 Last 4 SSN : XXXX Complaint Against : Equifax Information Services LLC Experian Information Solutions , Inc. 
TransUnion LLC All Furnishers Listed Below SUMMARY OF COMPLAINT I am submitting this complaint pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., due to systemic failures by the consumer reporting agencies ( CRAs ) and multiple furnishers to comply with their statutory obligations after receiving valid identity theft documentation, disputes, and inquiries challenges. 

Despite providing an Identity Theft Report, proof of identity, and formal written disputes, the CRAs and furnishers continue to report, reinvestigate inaccurately, and fail to block fraudulent accounts and inquiries, in direct violation of federal law. 

VIOLATIONS OF THE FAIR CREDIT REPORTING ACT 1. FAILURE TO BLOCK IDENTITY-THEFT INFORMATION Violation of 15 U.S.C. 1681c-2 ( FCRA 605B ) I properly submitted : An Identity Theft Report Proof of identity Identification of fraudulent accounts and inquiries Under 605B, the CRAs were required to block the disputed information within four ( 4 ) business days and notify all furnishers. They failed to do so. 

Fraudulent accounts and inquiries remain reporting across Equifax, Experian, and TransUnion, including but not limited to : Fraudulent Accounts ( Partial List ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( As documented in submitted disputes ) 2. REPORTING WITHOUT PERMISSIBLE PURPOSE Violation of 15 U.S.C. 1681b ( FCRA 604 ) Numerous hard inquiries were placed on my credit file without my authorization, consent, or any lawful permissible purpose. 

Examples include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and lending entities on identical dates No furnisher has produced physically verifiable proof of application, signature, or authorization as required under 1681b. 

The CRAs failed to delete these inquiries or require proof of permissible purpose. 

3. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION Violation of 15 U.S.C. 1681i ( FCRA 611 ) The CRAs either : Conducted superficial or automated reinvestigations, or Relied solely on furnisher responses without reviewing the identity-theft evidence provided This does not meet the reasonable reinvestigation standard mandated by law. 

XXXX. FURNISHERS FAILED TO INVESTIGATE AND CONTINUED REPORTING Violation of 15 U.S.C. 1681s-2 ( b ) Once notified by the CRAs, furnishers were required to : Conduct a reasonable investigation Review all relevant information Correct or delete inaccurate data Cease reporting identity-theft accounts Instead, they continued furnishing inaccurate data, some even updating balances on fraudulent accounts. 

5. INACCURATE, MISLEADING, AND UNVERIFIABLE REPORTING Violation of 15 U.S.C. 1681e ( b ) The CRAs failed to follow reasonable procedures to assure maximum possible accuracy by : Reporting accounts with inconsistent dates, balances, and creditor names Reporting accounts decades old without proper verification Allowing duplicate and re-aged accounts to persist HARM CAUSED As a direct result of these violations : My credit reputation has been severely damaged I have suffered denial of credit, increased interest rates, and financial stress I have spent significant time and resources attempting to correct errors that should have been blocked immediately under 605B RELIEF REQUESTED I respectfully request that the CFPB : 1. Compel Equifax, Experian, and TransUnion to immediately : o Block all identity-theft accounts and inquiries o Delete all inquiries lacking documented permissible purpose o Provide written confirmation of deletions 2. Require all furnishers to : o Cease reporting fraudulent accounts o Provide proof of liability or permanently delete 3. Ensure compliance monitoring for repeated FCRA violations 4. Preserve my right to pursue civil remedies under 15 U.S.C. 1681n and 1681o ENCLOSURES Identity Theft Report Proof of Identity Credit Reports with Disputed Items Highlighted Prior CRA Disputes FTC Notice to Furnishers FCRA 605B, 604 excerpts Submitted by : XXXX XXXX

Company response to consumer: Closed with non-monetary relief