Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this CFPB complaint due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards by Equifax, Experian, and TransUnion. My social security number was compromised as part of a data breach, resulting in the publication of inaccurate, unverifiable, and derogatory information on my consumer credit reports. 

Despite repeated disputes and prior escalations under CFPB XXXX XXXX. XXXX, all three credit bureaus have continued to report false information tied to my identity. These actions constitute negligent reinvestigation, willful noncompliance, and failure to correct known inaccuracies, violating 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681n, and 1681o. 

II. Data Breach and Identity Theft Background I am a verified Equifax Data Breach victim, confirmed under the FTCs XXXX Equifax Consent Order, which mandates heightened verification and accuracy procedures for affected consumers. In compliance with 15 U.S.C. 1681c-2 ( c ) ( a ), I submitted full documentation and FTC reports proving identity theft. 

Despite these protections, my personal identifiers, tradelines, and inquiries continue to reflect inaccurate and unverifiable data across all three bureaus. 

III. Personal Information Errors A. Incorrect Names All three bureausEquifax, Experian, and TransUnionare unlawfully reporting multiple name variations, including : XXXX XXXX XXXX XXXX XXXX XXXX My legal and verifiable name is XXXX XXXX. These alternate versions were previously investigated in CFPB XXXX XXXX. XXXX, where they were deemed unverifiable. Their continued publication violates : FCRA 1681e ( b ) and 1681i ( a ) Accuracy and reinvestigation requirements Metro 2 2.3.1 Prohibition of derogatory coding for identifiers FTC Equifax Consent Order ( XXXX ) Enhanced accuracy requirements for breach victims Requested Action : Immediate deletion of all inaccurate name variations from all three bureaus. 

B. Incorrect Addresses Two unverifiable addresses are being falsely reported and, in some cases, coded with derogatory tags : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both addresses have no verifiable connection to me and were flagged in the prior CFPB case as inaccurate. My only correct address is : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Violations : FCRA 1681i ( a ), 1681e ( b ) Inaccurate and unverifiable identifiers Metro 2 Field Logic Rules Addresses can not be coded as negative FTC Consent Order Failure to apply post-breach accuracy monitoring Requested Action : Immediate deletion of the above addresses and correction of my file to list only my verified address. 

IV. Tradeline and Account Errors ( Equifax ) Equifax continues to inaccurately report three tradelines despite prior CFPB and FTC escalation : XXXX. XXXX Account # XXXXXXXX XXXX XXXX  Status : 30-Day Late despite being Paid/Closed ( {$0.00} Balance ). 

Violates FCRA 607 ( b ) for maximum possible accuracy. 

Experian and TransUnion both show no late payment history. 

Requested Action : Remove the false 30-day late notation and correct to Paid/Closed Positive Standing. 

XXXX. XXXX XXXX  Account XXXX XXXX XXXX  Reported as Charge-Off/Derogatory while simultaneously showing OK payments across XXXX. 

This is a logical contradiction under Metro 2 6.2.2.3.

Violates FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Requested Action : Full deletion of this tradeline or production of signed, verifiable account documentation per 609 ( a ) ( 1 ) ( A ). 

XXXX. XXXX Account # XXXXXXXX XXXX XXXX Reported as Charge-Off with OK payment codes through XXXX. 

Violates Metro 2 Section 6.2.2.3 ( inconsistent account and payment status ).

Constitutes willful noncompliance post-Consent Order.

Requested Action : Full deletion and written verification that all Metro 2 inconsistencies are resolved. 

V. Inquiry Error ( TransUnion ) XXXXXXXX XXXX XXXXXXXX Inquiry ( XX/XX/XXXX ) Misclassified as Negative, violating FCRA 1681e ( b ) and Metro 2 2.3.2, which states that inquiries are neutral informational fields. 

No evidence of consumer authorization or permissible purpose under 15 U.S.C. 1681b. 

Requested Action : Delete the inquiry or reclassify it as neutral and provide documentation of permissible purpose. 

VI. Violations Summary Each credit bureau has violated multiple provisions of federal law, including but not limited to : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i : Negligent reinvestigation of disputed information FCRA 609 ( a ) ( 1 ) ( A ) : Failure to provide documentation verifying reported data FCRA 616 & 617 : Willful and negligent noncompliance FTC Consent Order ( XXXX ) : Breach of postdata breach accuracy requirements Metro 2 Compliance : Logical field conflicts and improper coding of identifiers VII. Requested Resolution I respectfully request that the CFPB compel Equifax, Experian, and TransUnion to : Permanently delete all unverifiable or inaccurately coded identifiers, including : Alternate names ( XXXX XXXX XXXX, XXXX XXXX XXXX ) Incorrect addresses ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Delete or correct all tradelines ( XXXX and XXXX XXXX ) showing contradictory or unlawful reporting. 

Remove the XXXX XXXX  XXXX inquiry misclassified as negative. 

Provide a verified, corrected credit report reflecting accurate and compliant data under Metro 2 standards. 

Issue a written certification confirming compliance with FTC postdata breach obligations. 

VIII. Damages and Relief Sought As allowed under 15 U.S.C. 1692k, I am seeking statutory damages for each violation, including : Defamation of character Negligent enhancement of identity fraud Civil liability for negligent and willful noncompliance Failure to comply with verification and permissible purpose requirements Each bureaus continued reporting of false information constitutes a willful disregard of FCRA mandates and a breach of federally imposed accuracy obligations. 

Attachments Included : Equifax dispute correspondence ( XX/XX/XXXX ) Experian dispute correspondence ( XX/XX/XXXX ) TransUnion dispute correspondence ( XX/XX/XXXX ) FTC Identity Theft Report CFPB Case No. XXXX documentation

Company response to consumer: Closed with explanation