Consumer complaint received 2025-08-11 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: NC

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 thirty ( 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 duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws, constituting additional 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 30day 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 GrammLeachBliley 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 North Carolina Unfair and Deceptive Trade Practices Act ( UDTPA ), N.C. Gen. Stat. 751.1 : Prohibits unfair or deceptive business and reporting practices in consumer credit context North Carolina Identity Theft Protection Act ( Article 2A Identity Theft ), N.C. Gen. Stat. 7560 to 7570 : Covers unauthorized use of personal identifying information and breach notification obligations North Carolina Criminal Identity Theft Statute, N.C. Gen. Stat. 14113.20 : Criminalizes fraudulent possession or use of personal identifying information 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 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 

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 NC Law : N.C. Gen. Stat. 75-1.1 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 

XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX  XXXXXXXX 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 

XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate deletion and blocking 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 NC Law : N.C. Gen. Stat. 75-1.1 DEMAND : Immediate removal of late payments under FCRA 1681c-2 U.S 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 NC Law : N.C. Gen. Stat. 75-1.1 The reporting of the U.S. XXXX  Court public record contains clear and material violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 data standards, and North Carolina law due to inconsistent, incomplete, and unverifiable information across the credit bureaus. TransUnion reports XXXX XXXX XXXX discharged while Experian and Equifax list no Type ; the Status field is omitted by all bureaus ; the Date Filed/Reported is shown as XX/XX/year> only by TransUnion, with Experian and Equifax failing to report any date ; the Reference # is listed only by TransUnion as XXXX with Experian and Equifax reporting nothing ; the Date Settled is reported as XX/XX/year> by TransUnion but omitted by Experian and Equifax ; the Liability Amount and Remarks are missing from all three bureaus. These discrepancies violate FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), FCRA 1681i ( a ) ( failure to conduct a lawful reinvestigation ), Metro 2 requirements for complete and uniform data reporting, and N.C. Gen. Stat. 75-1.1 ( Unfair and Deceptive Trade Practices ). Due to these willful and negligent violations, I demand the immediate deletion of this public record from my credit file and written confirmation of its removal within 15 days. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 NC Law : N.C. Gen. Stat. 75-1.1 The reporting of the public record from XXXX XXXXXXXX XXXX XXXX XXXX contains numerous violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and North Carolina law . Your files reflect inconsistent and incomplete data across the bureaus : TransUnion lists no Type, while Experian reports Bankruptcy XXXX  XXXX discharged and Equifax lists nothing ; the Status field is omitted for all bureaus ; the Date Filed/Reported is missing for TransUnion and Equifax but reported as XX/XX/year> for Experian ; the Reference # is missing for TransUnion and Equifax but reported as XXXX for Experian ; the Date Settled is missing for TransUnion and Equifax but reported as XX/XX/year> for Experian ; the Liability Amount is missing for TransUnion and Equifax but reported as 0 for Experian ; and no Remarks are provided by any bureau. These discrepancies violate FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ), FCRA 1681i ( a ) ( failure to conduct a lawful reinvestigation ), Metro 2 data integrity standards requiring completeness and uniformity, and N.C. Gen. Stat. 75-1.1 ( Unfair and Deceptive Trade Practices ). Given these willful and negligent violations, I demand the immediate deletion of this public record from my credit file and written confirmation of its removal within 15 days.

US DIST CT 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 NC Law : N.C. Gen. Stat. 75-1.1 The reporting of the public record from US DIST CT contains multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and North Carolina law . Your files show inconsistent and incomplete data across the bureaus : TransUnion and Experian list no Type, while Equifax reports Bankruptcy : XXXX XXXX ; all bureaus omit the Status field ; the Date Filed/Reported is missing for TransUnion and Experian but reported as XX/XX/year> for Equifax ; the Reference XXXX is missing for TransUnion and Experian but reported as XXXX for Equifax ; the Date Settled and Liability Amount fields are entirely omitted across all bureaus ; and no Remarks are reported by any bureau. These inconsistencies violate FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), FCRA 1681i ( a ) ( failure to conduct proper reinvestigation ), Metro 2 Format requirements for complete and consistent reporting, and N.C. Gen. Stat. 75-1.1 ( Unfair and Deceptive Trade Practices ). Due to these willful and negligent violations, this public record must be deleted immediately from my credit file, and I demand written confirmation of its removal within 15 days. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification. 

Incorrect Names : XXXX XXXX, XXXX XXXX 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 non-monetary relief