Consumer complaint received 2025-07-18 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: NV

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 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 obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 

Violations Committed by XXXX XXXX : 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.

Nevada Criminal Statutes : Violations relating to identity theft and consumer fraud.

NRS 205.463 : Obtaining and using another persons identifying information to obtain credit, goods, services, or harm that person without consent a category B felony ( 120 years, up to {$100000.00} ), with enhanced penalties for elderly/vulnerable victims or losses over {$3000.00}.

NRS 205.465 : Illegal possession, use, or sale of personal identifying information or false ID for fraudulent purposes, punishable as a felony/misdemeanor.

NRS Chapter 598C ( Consumer Reporting ) : Obligations for security freezes, including placing a freeze within 5 business days, providing confirmation within 10 days, and removing or temporarily lifting a freeze within 3 business days 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, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
XXXX. XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute Code103 Fraudulent ; full automated suppression. 
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 ) ; Metro2 formatting errors ; NDTPA/NRS598C ; NRS205.463,205.4651 Demand : Immediate deletion and permanent blocking under FCRA 1681c2 ; flagged as Dispute Code 103 Fraudulent ; full automated suppression. 
XXXX. XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 formatting errors ; NRS598.0903.0999, NRS598C, NRS205.463, NRS205.4651 Demand : Immediate deletion and permanent removal of all late payments under FCRA1681c2 ; flagged Dispute Code106 Late Payment History Dispute ; structured automation logic for correction. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : Entities : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : 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 : 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 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 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