Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
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 30days 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 : 15U.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.

15U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

GrammLeachBliley Act ( 15U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 

Metro2/CDIA Violations : Noncompliance with established industry reporting standards.

Tennessee Consumer Protection Act, Tenn. Code 47-18-104 : Engaging in unfair or deceptive acts or practices in consumer transactions.

Tennessee Identity Theft Statute, Tenn. Code 39-14-150 : Unauthorized use of personal identifying information for financial gain or access to services without consent.

FDCPA 15U.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 Number : XXXXXXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq. 
Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq. 
Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX. XXXX Account Number : XXXXXXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Tennessee law. 

XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 

XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX 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 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann.

47-18-101 et seq.

Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq.

DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. 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 Tennessee law. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these XXXX under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : XXXXXXXX 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  Demand XXXX Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSI Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft and lack of verification. 
Incorrect Name Listing : 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  Demand : Immediate deletion and permanent blocking of these names under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. 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 explanation