Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 and Pennsylvania state 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 state 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.

Pennsylvania Crimes Code 18 Pa.C.S. 4120 : Identity theft under state law.

Pennsylvania Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ) : Deceptive practices related to false credit reporting and failure to respond to consumer complaints.

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 ( Account : XXXX ) * * Issues : Charged-off status, discrepancies, lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status UTPCPL 201-3 : Unfair or deceptive trade practices under Pennsylvania law Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 


XXXX. XXXX ( Account : XXXX ) * * Issues : Balance discrepancies, validation failure Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e UTPCPL 201-3 Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 


XXXX. XXXX  ( Account : XXXX ) * * Issues : Balance discrepancies, validation failure Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e UTPCPL 201-3 Request : REMOVE LATE PAYMENTS IMMEDIATELY. 
XXXX. XXXX MORTGAGE XXXX ( XXXX ) * * Issues : Discrepancies in account numbers and balances, no validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e UTPCPL 201-3 Request : REMOVE LATE PAYMENTS IMMEDIATELY.

XXXX. XXXX XXXX XXXX ) * * Issues : Discrepancies in account numbers and balances, no validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e UTPCPL 201-3 Request : REMOVE LATE PAYMENTS IMMEDIATELY.

Unauthorized Inquiries ( Remove Immediately ) Entities : 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 XXXX XXXX Issue : Conducted without written authorization or permissible purpose Violations : FCRA XXXX : Lack of permissible purpose XXXX XXXX : Deceptive inquiry practices Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 


Deletion of all unauthorized hard inquiries. 


Correction of all inaccurate personal information. 


Updated credit reports from all three bureaus confirming these corrections. 


Enforcement of identity theft protections including fraud alerts and block requests. 


Full investigation and sanctions for non-compliance with FCRA, FDCPA, and PA UTPCPL deadlines.

Referral for penalties under 18 Pa.C.S. 4120 ( Identity Theft ) and 73 P.S. 201-1 et seq. ( Consumer Protection Law ) for deceptive and harmful conduct.

Supporting Documentation Previously Submitted : Government-issued photo ID Social Security card Police report ( identity theft ) Proof of current residence Original dispute letters to the creditors Declaration : I affirm, under penalty of perjury, that the statements provided herein are true and accurate to the best of my knowledge. Due to the harm caused by the unlawful conduct of these credit bureaus and reporting entities, I request immediate intervention from the CFPB and relevant Pennsylvania authorities to ensure compliance and restore the integrity of my credit file.

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 and Pennsylvania state 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 state 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.

Pennsylvania Crimes Code 18 Pa.C.S. 4120 : Identity theft under state law.

Pennsylvania Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ) : Deceptive practices related to false credit reporting and failure to respond to consumer complaints.

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 : 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 PA Law : 73 P.S. 201-2 ( 4 ) ( xxi ), 201-3, 201-9.2 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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 PA Law : 73 P.S. 201-2 ( 4 ) ( xxi ), 201-3, 201-9.2 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX Account 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 PA Law : 73 P.S. 201-2 ( 4 ) ( xxi ), 201-3, 201-9.2 DEMAND : Immediate removal of late payments under FCRA 1681c-2 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 PA Law : 73 P.S. 201-2 ( 4 ) ( xxi ), 201-3, 201-9.2 DEMAND : Immediate removal of late payments 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 PA Law : 73 P.S. 201-2 ( 4 ) ( xxi ), 201-3, 201-9.2 DEMAND : Immediate removal of late payments under FCRA 1681c-2 Fraudulent Inquiries to Remove Entities : 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 XXXX Unfamiliar 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief XXXX XXXX CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information.

Updated credit reports from all three bureaus confirming these corrections.

Enforcement of identity theft protections including fraud alerts and block requests.

Full investigation and sanctions for non-compliance with FCRA, FDCPA, and PA UTPCPL deadlines.

Referral for penalties under 18 Pa.C.S. 4120 ( Identity Theft ) and 73 P.S. 201-1 et seq. ( Consumer Protection Law ) for deceptive and harmful conduct.

Supporting Documentation Previously Submitted : Government-issued photo ID Social Security card Police report ( identity theft ) Proof of current residence Original dispute letters to the creditors Declaration : I affirm, under penalty of perjury, that the statements provided herein are true and accurate to the best of my knowledge. Due to the harm caused by the unlawful conduct of these credit bureaus and reporting entities, I request immediate intervention from the CFPB and relevant Pennsylvania authorities to ensure compliance and restore the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief