Consumer complaint received 2025-06-02 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:
This formal complaint is filed against Equifax Information Services LLC ( " Equifax '' ) pursuant to violations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Metro 2 Standards, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Detailed Description of Complaint : Equifax has unlawfully reinserted a previously disputed and removed fraudulent account, specifically : XXXX XXXX XXXX Account Number : XXXX This fraudulent account was previously removed and has been unlawfully reinserted without compliance with federal and state consumer protection laws.

Specific Violations and Law Codes : Failure to Notify 15 U.S.C. 1692g ( a ) Equifax failed to provide required validation notices within five days of debt reporting.

Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) Equifax has reported inaccurate account information.

Failure to Investigate 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Equifax failed to properly investigate disputes within the legally mandated 30-day timeframe.

Failure to Reinvestigate 15 U.S.C. 1681i ( a ) ( 6 ) E
quifax failed to reinvestigate disputed entries as required by law.

Improper Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Equifax reinserted previously deleted accounts without mandatory certification or notification within five business days.

Failure to Validate Debt 15 U.S.C. 1692g ( b ) Equifax continued reporting debts without proper validation following formal disputes.

Failure to Disclose 15 U.S.C. 1681g Equifax failed to provide disclosure of verification records upon request.

Privacy Breach 15 U.S.C. 6801 ( b ), 6802 ( a ) Equifax failed to protect consumer data as required by the GLBA, resulting in fraudulent account reporting.

Identity Theft Protections Ignored 15 U.S.C. 1681g ( e ) Equifax did not adhere to mandatory identity theft protections.

Metro 2 Compliance Violations Reporting data in noncompliance with Metro 2 formatting, including inconsistent account numbers, payment histories, and invalid account statuses. 

XXXX  XXXX XXXX Violations XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) Engaging in deceptive acts, misrepresenting legitimacy, and refusing to correct known fraudulent errors after notification.

Immediate Enforcement Demands : Immediate removal and permanent blockage of the fraudulent account. 

Issuance of written confirmation of removal and updated credit report. 

Implementation of fraud alerts as mandated by 15 U.S.C. 1681g ( e ).

Delivery of a complete written investigation report including verification methods used.

Strict compliance with reinsertion laws per FCRA 1681i ( a ) ( 5 ) ( B ).

Failure to comply with these demands will result in further legal actions, including filing complaints with the Federal Trade Commission ( FTC ), the Florida Attorney General, and litigation for damages pursuant to 15 U.S.C. 1681n and 1681o. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief