Consumer complaint received 2025-06-14 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:
This complaint is being filed against Equifax for continued reporting of fraudulent and unverifiable accounts in violation of federal and state consumer protection laws. Despite my submission of multiple formal disputes supported by identity theft documentationincluding police reports, government-issued ID, and proof of addressEquifax has failed to meet its statutory obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPXXXX ). 

Specifically, Equifax continues to report a fraudulent XXXX account even after I directly notified the furnisher ( Chase ) and formally requested full debt validation under 15 U.S.C. 1692g ( b ). I gave XXXX 30 days to respond with signed agreements, transaction history, and all required documentation, but they failed to respond. Their non-response triggers automatic invalidation of the debt, and Equifax is legally required to remove the tradeline immediately. 

Accounts in Dispute : XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro 2 formatting violations ; FDUTPA 501.204 ( 1 ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) XXXXXXXX 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 formatting violations ; FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Additional Facts Supporting Violations : On XX/XX/year>, I sent XXXX ( XXXX ) a formal verification letter demanding all documentation under 15 U.S.C. 1692g ( b ) including contracts, signed applications, identification records, and full transaction history.

Chase failed to respond within 30 days, violating their duty to validate the debt.

Under FCRA 1681s-2 ( b ) and FDCPA 1692g ( b ), Equifax is now required to immediately delete this tradeline from my report. 

Continued reporting constitutes willful noncompliance, deception, and unlawful furnishing of inaccurate and unverified data. 

Violations of Law : FCRA Violations 1681e ( b ) : Failure to ensure accurate data reporting.

1681i ( a ) : Failure to investigate disputes in a timely manner.

1681g : Failure to disclose underlying documentation.

1681i ( a ) ( 5 ) ( B ) : Reinserting deleted data without notification.

1681s-2 ( b ) : Failure to correct inaccurate information from furnishers.

1681g ( e ) : Failure to implement fraud alerts and protections.

FDCPA Violations 1692g ( a ) : No notice of right to validation provided.

1692g ( b ) : Failure to validate debt or cease reporting.

1692e ( 8 ) : Furnishing known false data.

1692d : Harassing or abusive collection conduct.

GLBA Violations 6801 ( b ), 6802 ( a ) : Breach of data security and privacy protections.

Metro 2 Compliance Violations Unverified, inconsistent, and inaccurately coded account and payment histories.

FDUTPA ( Florida State Law ) 501.204 ( 1 ) : Deceptive reporting of unverifiable data.

501.203 ( 3 ) ( c ) : Misrepresentation of account authenticity.

501.976 ( 11 ) : Failure to correct known errors after notice. 

Relief Requested from the CFPB : Immediately remove and permanently block the XXXX XXXX XXXX and XXXX XXXX  accounts under FCRA 1681c-2.

Confirm in writing the deletion of all inaccurate entries and provide an updated credit report.

Prevent reinsertion of these accounts unless Equifax provides written certification as required under 1681i ( a ) ( 5 ) ( B ).

Impose regulatory enforcement and penalties for systemic violations.

Refer Equifax to the FTC and Florida Attorney General for noncompliance with state and federal law. 

Supporting Evidence Attached : Verification letter to XXXX dated XX/XX/year> Copy of government-issued ID Copy of Social Security card Police report ( identity theft ) Utility bill ( proof of address )

Company response to consumer: Closed with non-monetary relief