Consumer complaint received 2025-04-10 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:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( XX/XX/XXXX ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX XXXX. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX XXXX. XXXX : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information XXXX XXXX. XXXX : Identity theft and misuse of personal data XXXX XXXX. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards XXXX  Criminal Statutes : Violations related to identity theft and consumer fraud Fraudulent and Inaccurate Accounts to Be Removed XXXX XXXX XXXX  Account Number : XXXX Violations : XXXX U.S.C. XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX violations Request : I request immediate removal and blocking of this account across all three bureaus. 

XXXX XXXX XXXX Account Number : XXXX Violations : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX violations Request : I request immediate removal and blocking of this account across all three bureaus. 

Merchants Acceptance Account Numbers : XXXX and XXXX Violations : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX violations Request : I request immediate removal and blocking of these accounts across all three bureaus. 

XXXX Account Numbers : XXXX & XXXX Violations : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX violations Request : I request immediate removal and blocking of these accounts across all three bureaus. 

XXXXXXXX XXXX  Account Number : XXXX Violations : XXXX U.S.C. XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX violations Request : I request immediate removal of all late payments and correction or deletion of this account across all three bureaus. 

Unauthorized Hard Inquiries to Be Deleted Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other inquiries not authorized by me must also be removed. 

Inaccurate Personal Information to Be Corrected Incorrect Addresses ( to be deleted ) : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers ( to be deleted ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 

Compel deletion of all unauthorized hard inquiries. 

Mandate removal of inaccurate personal information, including addresses and employers. 

Require written confirmation from all three credit bureaus, including updated credit reports. 

Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 

Initiate investigation and sanctions for failure to comply with FCRA deadlines. 

Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief