Consumer complaint received 2025-06-13 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: MN

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Experian, Equifax and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts XXXX XXXX ( 15 U.S.C. XXXX ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards XXXX Identity Theft Law ( XXXX XXXX. XXXX ) : Failure to protect personal identifying information and respond properly to identity theft XXXX Fair Credit Reporting Act ( XXXX XXXX. XXXX ) : Failure to ensure accuracy and proper dispute handling by consumer reporting agencies XXXX Deceptive Trade XXXX Act ( XXXX XXXX. XXXX ) : Engaging in deceptive practices affecting consumers through inaccurate or misleading reporting XXXX and XXXX Accounts to Be Removed XXXX. XXXX Account 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 XXXX XXXXXXXX : XXXX XXXX. XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXXXXXX XXXX  Account Number : 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 XXXX violations XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 MN XXXX : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : 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 XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXXXXXX 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 XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
Fraudulent Inquiries to Remove XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or Incorrect Addresses 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 Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief