Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Formal Complaint Mixed Credit File with My Father ( XXXX XXXX, XXXX ) and Demand for Permanent Deletion of Unauthorized Accounts Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to bring to your attention a serious and ongoing mixed credit file issue involving the XXXX major credit reporting agencies : Experian, Equifax, and TransUnion. 

I am XXXX XXXX, XXXX, and my credit file has been inaccurately merged with my father, XXXX XXXX, XXXX As a result of this error, multiple credit card accounts belonging solely to my father are now appearing on my credit reports across all three bureaus. This inaccurate reporting has caused significant harm to my creditworthiness, lowered my scores, and exposed me to aggressive debt collection activity for debts I do not owe and never incurred. 
Despite my efforts to correct this, the following credit card accountswhich do not belong to mecontinue to be reported under my name : Fraudulent Accounts to Be Permanently Deleted : XXXX. XXXX XXXX {$8700.00} XXXX. XXXX XXXX {$12000.00} XXXX. XXXX XXXX {$10000.00} XXXX. XXXX XXXX {$3700.00} XXXX. XXXX XXXX Services {$10000.00} These accounts belong to my father, XXXX XXXX, XXXX, not me. I have never applied for, used, or benefited from any of these accounts, nor have I authorized anyone to open them on my behalf. Despite our name similarity, I am not legally or financially responsible for his obligations. 

Ongoing Harassment and Consumer Harm : As a result of this error, I am receiving daily threatening phone calls from debt collectors trying to collect on these accounts. Even after informing them that they are looking for my father, not me, they continue to contact and harass me. I have been told by some collectors that I will be sued for accounts that I do not own. 

My credit scores have dropped from the XXXX to the XXXX due to these negative tradelines. This drop has limited my access to credit, impacted my financial standing, and created emotional distress over an issue that is not of my making.

Legal Basis Under the Fair Credit Reporting Act ( FCRA ) : I am invoking my rights under the following FCRA statutes : 1. 15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to ensure maximum possible accuracy. Mixing another individual 's credit information with mine is a direct violation.

2. 15 U.S.C. 1681i Provides my right to dispute inaccurate information and mandates prompt reinvestigation and removal of unverifiable or inaccurate data.

3. 15 U.S.C. 1681s-2 Obligates furnishers of information to provide accurate data and correct errors once notified.

4. 15 U.S.C. 1681b Limits access and use of my consumer report data to authorized purposes only.

This is a serious case of misidentification and negligent reporting, and I am demanding the permanent deletion of all listed accounts from my credit profile across Experian, Equifax, and TransUnion. I should not bear the financial consequences of accounts that belong to my father simply because we share a similar name.

My Formal Requests to the CFPB : 1. Investigate this mixed file issue thoroughly Instruct Experian, Equifax, and TransUnion to permanently remove the above accounts 2. Ensure these accounts are blocked from future reinsertion 3. Enforce compliance with FCRA guidelines and take any regulatory action needed to prevent further harm 4. Require the bureaus to provide me with a corrected credit report that accurately reflects my financial history This situation has caused me undue harm, stress, and financial loss. I respectfully request the CFPBs immediate assistance to resolve this matter and protect my legal rights under federal consumer protection laws. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief