Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and fraudulent accounts being reported on my credit file by Equifax, Experian, and furnishers including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX XXXX Michigan XXXX XXXX XXXX XXXX. 

Despite submitting a formal dispute on XX/XX/XXXX, along with an FTC Identity Theft Affidavit, supporting documentation, and a notarized Limited Power of Attorney, these entities have failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. 

Violations & Disputed Accounts : XXXX XXXX XXXX XXXX XXXX ( Collection {$1000.00} ) Account was previously deleted and then reinserted without the mandatory XXXX notice. 
Violation : FCRA 611 ( a ) ( 5 ) ( B ) ( Reinsertion without notification ). 
No certification of accuracy provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collection {$990.00} ) No contract or validation of debt was provided. 
Violations : FDCPA 809 ( Validation of debts ), FCRA 611 ( a ) ( XXXX ). 
XXXX XXXX XXXX  XXXX XXXX Secured Credit Card {$460.00} ) Reporting XXXX late payments and a balance over the limit ( 155 % utilization ). 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), Metro 2 compliance ( incorrect payment status & utilization ). 
No payment history or documentation provided. 
XXXX XXXX XXXX ( Auto Loan ) Account includes a late mark within 90 days of openingindicative of identity theft or data error. 
Violation : FCRA 623 & 611 Unverified payment reporting. 
Account tied to reported identity theft in the FTC affidavit. 
XXXX XXXX Michigan XXXX XXXX XXXX XXXX Account reports a C for collection despite {$0.00} balance. 
Violation : FCRA 623 Misreporting of payment status. 
Hard Inquiries ( XX/XX/XXXX & XX/XX/XXXX ) Multiple auto-related inquiries appear duplicative and excessive. 
Violation : FCRA 604 No permissible purpose. 
No documentation provided to justify inquiries. 
Actions Taken by Consumer : Filed FTC Identity Theft Report ( # XXXX ) Submitted written dispute letter dated XX/XX/XXXX, including : Identity Theft Affidavit Proof of Identity & Address Itemized dispute under FCRA 605B, 611, and 623 Power of Attorney authorizing XXXX XXXX XXXX to act on behalf of XXXX  XXXX No adequate response, reinvestigation, or deletions completed as of the date of this complaint. 
Resolution Requested : I request the following actions be taken immediately : Permanent deletion of all accounts listed above that are unverifiable or identity theft-related. 
Written verification method and copies of original applications or signed documents for any item retained. 
Removal of all hard inquiries lacking permissible purpose. 
Investigation into reinsertion violations under FCRA 611 ( a ) ( 5 ) ( B ). 
Any company found noncompliant should be held liable under federal law for damages and regulatory enforcement. 
Closing Statement : Under FCRA 1681i, 1681s-2, 605B, and the FDCPA 809, credit bureaus and furnishers have a clear legal obligation to investigate, verify, and correct or delete information that is fraudulent, inaccurate, or unverifiable. Failure to comply constitutes willful noncompliance under FCRA 616 and 617. 

I am requesting the CFPB to investigate and ensure my rights as a consumer are fully enforced, including the deletion of all offending items and potential referral for civil penalties where violations have occurred. 

Respectfully, XXXX XXXX XXXX XXXX XX/XX/XXXX SSN ( last XXXX ) : XXXX

Company response to consumer: Closed with explanation