Consumer complaint received 2025-04-15 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:
b'I am requesting the Consumer Financial Protection Bureau (CFPB) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 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.\n\nViolations Committed:\n15 U.S.C.  1681, FCRA  607(b): Failure to ensure maximum possible accuracy\nFCRA  611(a)(1)(A): Failure to investigate disputes within 30 days\nFCRA  611(a)(6): Failure to reinvestigate and issue findings\n15 U.S.C.  1692g: Failure to notify consumer of alleged debts\nGramm-Leach-Bliley Act (15 U.S.C. XXXX): Failure to safeguard consumer information\n18 U.S.C.  1028: Identity theft and misuse of personal data\n15 U.S.C.  1681g(e): Failure to provide victim assistance (fraud alerts, recovery tools)\nMetro2 / CDIA Violations: Noncompliance with industry reporting standards\nFlorida Criminal Statutes: Violations related to identity theft and consumer fraud\n\nFraudulent and Inaccurate Accounts to Be Removed\nXXXXXXXX XXXX XXXX\nAccount Number: XXXX\nLaws Violated: 15 U.S.C.  1681,  1692g, FCRA  607(b),  611(a), Metro2 Compliance Violations\nRequest: I request removal and blocking of this account.\nXXXX XXXX XXXX XXXX\nAccount Number: XXXXXXXXnLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a), Metro2 Compliance Violations\nRequest: I request removal and blocking of this account.\XXXXXXXX XXXX XXXX\nAccount Number: XXXX \nLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a), Metro2 Compliance Violations\nRequest: I request removal and blocking of this account.\nXXXX\nAccount Number: XXXX\nLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a), Metro2 Compliance Violations\nRequest: I request removal and blocking of this account.\XXXX XXXX\nAccount Number: XXXX\nLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a), Metro2 Compliance Violations\nRequest: I request removal and blocking of this account.\nXXXX XXXX XXXX\nAccount Number: XXXXnLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a),  611(a)(6), 15 U.S.C.  1692g, Metro2 Compliance Violations\nRequest: I request immediate removal of all late payments.\nDEPTEDXXXX\nAccount Number: XXXX\nLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a),  611(a)(6), 15 U.S.C.  1692g, Metro2 Compliance Violations\nRequest: I request immediate removal of all late payments.\nXXXX XXXX\nAccount Number: XXXXnLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a),  611(a)(6), 15 U.S.C.  1692g, Metro2 Compliance Violations\nRequest: I request immediate removal of all late payments.\nXXXX XXXX XXXX XXXX\nAccount Number: XXXX\nLaws Violated: 15 U.S.C.  1681, FCRA  607(b),  611(a),  611(a)(6), 15 U.S.C.  1692g, Metro2 Compliance Violations\nRequest: I request immediate removal of all late payments.\n\n\nAdditional Fraudulent Inquiries\nThe following unauthorized inquiries must be removed immediately:\nXXXX XXXX XXXX XXXX  and others.\nIncorrect Addresses\nPlease remove the following addresses, which are not associated with me:\n0 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\n\nIncorrect Employers\nThe following employer entries are inaccurate and should be removed:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIncorrect Names: \nXXXX XXXX XXXX XXXX XXXX XXXX\n\nRequested Relief from the CFPB:\nEnforce immediate removal and blocking of all fraudulent accounts listed above.\nCompel deletion of all unauthorized hard inquiries.\nMandate removal of inaccurate personal information, including addresses and employers.\nRequire written confirmation from all three credit bureaus, including updated credit reports.\nEnsure that identity theft protections (e.g., fraud alerts) are implemented as required by law.\nInitiate investigation and sanctions for failure to comply with FCRA deadlines.\nFine or discipline bureaus for their willful neglect of legal obligations.\n\nSupporting Documentation Previously Submitted to Bureaus:\nGovernment-issued photo ID\nSocial Security card\nPolice report documenting identity theft\nProof of current address\nOriginal dispute letters dated XXXX XXXX XXXX\n\nDeclaration:\nI 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