Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
To Who

m It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe. 
FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.

Metro2/CDIA Violations : Noncompliance with established industry reporting standards. 
Florida Criminal Statutes : Violations relating to identity theft and consumer fraud.

FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. 
Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am formally disputing the accuracy and legality of the child support tradeline listed as XXXX XXXX XXXX reported by Experian and Equifax. This account, which originated on XX/XX/XXXX, has a {$0.00} balance, is marked as Closed, and shows that the last payment was made in XXXX, yet it remains present on my credit report with updates as recent as XX/XX/XXXX. The tradeline also inaccurately labels the account as both an Open Account and Closed, creating a conflicting and misleading status. The reporting includes a payment history with OK marks extending years past the last activity, alongside CO ( collection/charge-off ) codes from Equifax, which contradict the reported Paid satisfactorily status. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to report only complete and accurate information.

Furthermore, this reporting may constitute re-aging, which is a prohibited practice under FCRA 1681c, especially since the obligation was resolved years ago and shows no ongoing financial responsibility. Under Florida Statute 559.72 ( 9 ), it is illegal to knowingly report false or misleading credit information, especially in a way that implies current liability where none exists. The conflicting status fields, outdated payment data, and post-closure payment history materially misrepresent the nature of this account and may damage my credit profile unfairly. I am requesting the immediate deletion or full correction of this tradeline to accurately reflect that it is closed, resolved, and no longer reportable as active. Please complete your reinvestigation within the time frame allotted by FCRA 1681i ( a ) and provide written verification of the outcome. 
XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX ( ORIGINAL CREDITOR : MEDICAL ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX  ( ORIGINAL CREDITOR : XXXX CONTRACTING Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 


Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Immediate deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from all three bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief