Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second formal complaint to the Consumer Financial Protection Bureau for enforcement action against XXXX XXXX and now Equifax, for their willful and negligent failure to comply with federal and state consumer protection laws. These agencies have refused to remove unauthorized hard inquiries and a fully fraudulent account from my credit reports, despite receiving : Certified dispute letters A police report confirming identity theft Government-issued identification Proof of residency All three consumer reporting agencies have continued to report unverifiable data that is clearly unauthorized, inaccurate, and harmful. This conduct represents a gross violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and Metro 2 compliance standards .

Violations Hard Inquiries XXXX XXXX XXXX XXXX  ) Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 3 ), 15 U.S.C. 1681b No permissible purpose for accessing my report. 

604 ( c ) ( 1 ) ( A ) No written authorization provided.

607 ( a ) Failure to use reasonable procedures to verify inquiry legitimacy.

609 ( a ) ( 1 ) Failure to produce documentation validating each inquiry.

611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to investigate and provide results within 30 days.

1681g ( e ) Ignored identity theft victim protections.

1681n & 1681o Willful and negligent noncompliance.

FDCPA : 1692f Unfair practices relating to inquiry activity.

1692g ( a ), ( b ) No validation or disclosure of any related debt.

GLBA : 6801 ( b ), 6802 ( a ) Failure to protect sensitive consumer data.

Metro 2 Violations : Improper format, unverified entries, and unauthorized pulls violate Metro 2 data furnishing rules. 

XXXX XXXX XXXX XXXX Account XXXX Equifax ) Account : XXXX XXXX XXXX Account Number : XXXX This account is fraudulent, opened without my knowledge or consent, and continues to appear on my Equifax credit file despite identity theft documentation and multiple formal disputes. Its continued presence is a knowing violation of law. 

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

1681i ( a ), 1681i ( a ) ( 5 ) ( B ) Failure to investigate and improper reinsertion.

1681g, 1681s-2 ( b ) Refusal to disclose verification and furnishers continuing inaccurate reporting.

1681c ( a ), 1681c-2 Outdated, fraudulent account requiring blocking.

FDCPA : 1692g ( a ) & ( b ) No validation notice sent.

1692e ( 8 ) Continued reporting of disputed and unverified debt.

1692d Harassment via unlawful credit reporting.

GLBA : 6801 ( b ), 6802 ( a ) Failure to safeguard private consumer information.

Metro 2 Compliance Violations : Inconsistent data, invalid payment history, incorrect statuses all noncompliant with CDIA standards. 
Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : 501.204 ( 1 ) Unfair and deceptive trade practices.

501.203 ( 3 ) ( c ) Misrepresentation of account legitimacy.

501.976 ( 11 ) Refusal to correct known errors after notice.

Requested Relief I am demanding immediate and aggressive enforcement by the CFPB as follows : For XXXX XXXX XXXX  : Permanent removal and blocking of all four unauthorized inquiries under FCRA 1681g ( e ).

Written confirmation of deletion within 15 calendar days as required under 611 ( a ) ( 6 ) ( B ) ( iii ).

Production of permissible purpose documentation ( which does not exist ). 
Civil penalties for repeated violations under 1681n and 1681o. 

For Equifax XXXX XXXX XXXX Account : Immediate deletion and blocking of this fraudulent tradeline under FCRA 1681c-2.

Enforcement action to compel Equifaxs full compliance with FCRA, FDCPA, GLBA, Metro 2, and Florida consumer protection law.

Written results of the reinvestigation with the method, date, and name of verifier as required by 1681i ( a ) ( 6 ).

Order Equifax to cease and desist from reinserting or reporting this tradeline without full certification and prior consumer notification per 1681i ( a ) ( 5 ) ( B ).

Supporting Documentation Identity Theft Police Report Government-Issued ID Utility Bill ( Proof of Residence ) Previous Disputes Sent to All Three Bureaus Snapshot of Credit Reports Showing Violations I am urging the Consumer Financial Protection Bureau to take immediate enforcement action against all three major credit bureaus for their systemic and intentional failure to comply with federal law. These violations are harming my financial standing, credit eligibility, and legal rights as a consumer and identity theft victim. No consumer should be forced to escalate a second time due to blatant noncompliance.

This case must trigger civil penalties, removal orders, and CFPB-led enforcement to bring Equifax into full compliance with the FCRA and
related statutes. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief