Consumer complaint received 2025-12-15 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: NV

Complaint narrative:
To Whom 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 BANKRUPTCY 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) I am formally disputing the XXXX  XXXX Bankruptcy currently being reported on my consumer credit file. This item is inaccurate, incomplete, and not verifiable as reported, and therefore violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. The bankruptcy entry contains inconsistent reporting across bureaus, conflicting filed and reported dates, incomplete court identification, and lacks proper certification of accuracy as required by Metro 2 reporting standards.

Additionally, pursuant to 15 U.S.C. 1681g ( a ), I am entitled to full disclosure of the source and method of verification used to report this bankruptcy. To date, no competent evidence has been provided demonstrating that this information was verified directly with the court through a legally permissible and documented procedure. Any verification that relied solely on automated systems or third-party databases ( e.g., e-Oscar ) fails to meet the reasonable investigation standard mandated by 15 U.S.C. 1681i ( a ) ( 1 ). 
Furthermore, the continued reporting of this item without proper verification constitutes republication of inaccurate information, which is a separate violation under the FCRA. If this bankruptcy can not be verified with original court documentation, bearing proper identifiers and matching information across all reporting agencies, it must be deleted immediately. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( XXXX ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
XXXX Account 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
XXXX XXXX XXXXXXXX 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
XXXX XXXX  Account 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
XXXX XXXX  Account Number : XXXX Violations : FCRA XXXX681e ( 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999 , including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
XXXX XXXX Account 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 formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : NRS 598.0903598.0999, including NRS 598.0923 ( 2 ) ( false representation in a consumer transaction ), NRS 598.0915 ( 15 ) ( misrepresentation of the legal status of a debt ), and NRS 598.0973 ( civil remedies ) Nevada Collection Agency Act NRS Chapter 649 : NRS 649.375 ( 2 ) ( misrepresenting the character, amount, or legal status of a debt ) and NRS 649.375 ( 3 ) ( communicating false credit information ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. 
Incorrect or Unfamiliar Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification. 
Incorrect Name Listing : XXXX, XXXX, XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA 1681c-2, NRS 598.0923 ( 2 ), and NRS 649.375 ( 3 ) due to identity theft and lack of verification.

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