Consumer complaint received 2025-07-31 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:
To Whom It May Concern, 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 THE BUREAUS : 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 30-day 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.

Gramm-Leach-Bliley 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. 
XXXX Violations : Noncompliance with established industry reporting standards.

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

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 XXXX  OH 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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) This bankruptcy entry is materially inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX guidelines, and Florida Deceptive and Unfair Trade Practices Act ( XXXX ). TransUnion and Equifax report blank or missing information for the bankruptcy type, status, date filed, reference number, date settled, and liability amount, while Experian inconsistently reports Bankruptcy XXXX  XXXX XXXX, Date Filed XX/XX/XXXX, Reference # XXXX, Date Settled XX/XX/XXXX, and Liability Amount Unknown. These inconsistencies violate FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681i ( a ) ( 1 ) ( A ) ( failure to conduct proper reinvestigation ), and 1681g ( a ) ( 1 ) ( failure to provide complete and accurate reporting ). Additionally, the reporting breaches XXXX XXXX standardized data requirements, misrepresents material financial data, and constitutes deceptive practice under FDUTPA 501.204 ( 1 ) and 501.203 ( 3 ) ( c ). Due to these clear violations and the unverifiable nature of this bankruptcy entry, I demand its immediate deletion and written confirmation of removal from my credit file. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
XXXX. XXXX Account Number : XXXX 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 and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
XXXX. XXXX Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations XXXX XXXX ( XXXX XXXX, XXXX ( XXXX ) ( c ), XXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to XXXX theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
XXXX. XXXXXXXX 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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) Account 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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of all late payments under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
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 ) XXXX XXXX formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of all late payments under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 : PROGRESSIVE INSURANCE PSCU 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 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