Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX days ago ( date of the letter ), 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 : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards XXXXXXXX XXXX XXXX : Violations related to identity theft and consumer fraud Fraudulent and Inaccurate Accounts to Be Removed Fraudulent Accounts & Unauthorized Reinsertions XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) North Carolina Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXXcount Number : XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( XXXX ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) North Carolina Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXXXXXX XXXX Account Number : XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 Identity Theft and XXXX XXXX XXXX, XXXX8 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) North Carolina Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate unresolved claims Gramm-Leach-Bliley Act, 15 U.S.C. XXXX : Failure to safeguard personal information Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX FTC Identity Theft Resource Requirements, 15 U.S.C. 1681g ( XXXX ) XXXX XXXX  Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Standards Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX ( ORIGINAL XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA XXXX ( a ) ( XXXX ) ( A ) FCRA XXXX ( a ) ( XXXX ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX FTC Identity Theft Requirements, 15 U.S.C. 1681g ( XXXX ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX XXXX XXXX & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within 30 days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate unresolved claims Gramm-Leach-Bliley Act, 15 U.S.C. XXXX : Failure to safeguard personal information Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Resource Requirements, 15 U.S.C. 1681g ( XXXX ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX XXXX XXXX & XXXX XXXX Standards Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( XXXX ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( XXXX ) North Carolina Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX Account Number : XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX  Account Number : XXXX * * * * * Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX XXXX XXXX & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Laws Violated : FCRA, 15 U.S.C. 1681 FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act, 15 U.S.C. XXXX Identity Theft and XXXX XXXX XXXX, 18 U.S.C. 1028 FTC Identity Theft Requirements, 15 U.S.C. 1681g ( e ) XXXX XXXX Identity Theft Protection Act, XXXX XXXX XXXX. XXXX through XXXX Metro 2 & XXXX XXXX Request : XXXX removal and permanent blocking of this account. 
Requested XXXX 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. 
XXXX or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security XXXX Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> 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.

Company response to consumer: Closed with explanation