Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
This complaint is submitted pursuant to the enforcement authority of the Consumer Financial Protection Bureau to address systemic, willful, and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and Metro 2 compliance standards. The Respondents have engaged in unlawful reporting of fraudulent accounts, excessive derogatory coding, and obstructive stall tactics designed to evade reinvestigation obligations. 
I have submitted a full dispute packet via USPS Certified Mail, including TILA violation letters, FCRA/IRS charge-off letters, FDCPA cease and desist notices, a notarized Identity Theft Affidavit, and a Metro 2 audit demand . I am now escalating to the CFPB due to noncompliance and obstruction.

II. VIOLATIONS A. Identity Theft Accounts The following accounts were fraudulently opened or assigned using my personal information without my knowledge or consent : XXXX XXXX XXXX Account Number XXXX {$1600.00} XXXX XXXX XXXX Account Number XXXX {$450.00} XXXX XXXX XXXX Account Number XXXX {$470.00} These accounts violate : FCRA 1681c2 Failure to block identity theft accounts FCRA 1681e ( b ) Failure to assure maximum possible accuracy FDCPA 1692e False representation of debt status FDCPA 1692c ( c ) Failure to cease communication after written notice Despite submitting a sworn Identity Theft Affidavit, these accounts remain on my credit reports. Due to the federal government shutdown, I was unable to file an FTC Identity Theft Report and have submitted a notarized affidavit in lieu. 

XXXX XXXX Excessive Late Payment Reporting XXXX is reporting XXXX open education loan accounts with excessive late payment codes ( 90, 120, 150, 180 days ) and past-due balances of {$190.00} and {$340.00} respectively. These accounts violate : FCRA 1681e ( b ) Inaccurate late payment coding FCRA 1681i Failure to reinvestigate TILA 1666 Failure to correct billing errors Metro 2 Appendix E Improper coding of open accounts with excessive delinquency FCRA 1681s-2 Furnisher duty to report accurately MOHELA has failed to validate the delinquency, failed to update the accounts to reflect hardship or deferment status, and continues to report monthly derogatory status without correction. 

XXXX XXXX XXXX XXXX Improper Charge-Off Reporting XXXX is reporting a secured credit card account as charged off with {$230.00} written off and past due. The account shows monthly late payment codes post charge-off, violating : FCRA 1681e ( b ), 1681i, 1681s-2 Metro 2 Appendix E Failure to suppress charge-off coding IRS 1099-C discharge obligations FDCPA 1692e False representation of debt status XXXX has failed to validate the debt, failed to suppress post-charge-off derogatory coding, and continues to furnish inaccurate data. 

XXXX. STALL TACTICS AND OBSTRUCTION Credit bureaus have previously refused to process disputes by falsely claiming they were not believed to be submitted by the consumer. I affirm under penalty of perjury that all disputes were authored and submitted directly by me. Any refusal to process based on authorship violates : FCRA 1681i ( a ) ( 3 ) Disputes may only be deemed frivolous with documented justification FCRA 1681n Willful noncompliance carries statutory and punitive damages XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. Equifax, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) These stall tactics constitute obstruction and must be investigated as a pattern of abuse. 

IV. LEGAL BASIS FCRA 1681e ( b ), 1681i, 1681c2, 1681s2, 1681n, 1681o FDCPA 1692e, 1692c ( c ) TILA 1637, 1666 IRS 1099C discharge obligations Metro 2 Appendix E CDIA guidelines for accurate credit reporting Case Law : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX DEMANDS I demand that the Consumer Financial Protection Bureau : 1. Order the immediate deletion of all identity theft accounts 2. Order the permanent blocking of all fraudulent collection tradelines 3. Order the correction of all late payment and charge-off coding 4. Impose civil monetary penalties against all Respondents for willful violations 5. Refer this matter to the Federal Trade Commission and State Attorneys General 6. Preserve my right to pursue private civil litigation under FCRA 1681n1681o and FDCPA 813 7. Investigate the use of stall tactics and obstruction by TransUnion, Experian, and Equifax 8. Require written confirmation of all corrections and deletions within 30 days 9. Notify all third parties who accessed my credit file in the past six months of the corrections VI. CLOSING STATEMENT I have exhausted all dispute channels and submitted a notarized Identity Theft Affidavit. I am invoking my rights under federal law and demanding full regulatory enforcement. The conduct of these bureaus and furnishers demonstrates systemic disregard for consumer protection statutes and must be addressed immediately.

Company response to consumer: Closed with explanation