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: WA

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 and Washington State laws. Over XXXX  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 applicable Washington statutes, constituting further violations. 

Violations Committed by the Bureaus Federal Law : 15 U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. 


FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within XXXX days. 


FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 


15 U.S.C. XXXXg : Failure to notify the consumer of alleged debts within the required timeframe. 


Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to safeguard consumer personal information. 


XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 


15 U.S.C. XXXX ( XXXX ) : Failure to provide victim assistance, fraud alerts, and recovery tools. 


Metro2XXXX Violations : Noncompliance with industry credit reporting standards. 


FDCPA 15 U.S.C. XXXX ( b ) : Failure to respond to debt validation requests. 


Washington State Law : Revised Code of Washington ( XXXX ) XXXX : Credit reporting agencies must reinvestigate and correct inaccurate information within XXXX days. 


XXXX XXXX : Obligation to ensure maximum accuracy in credit reports. 


XXXX XXXX : Identity theftprohibits fraudulent use or possession of identifying information. 


XXXX XXXX : Data breach notification requirementsfailure to notify consumer after a security breach. 


XXXX XXXX ( Washington Consumer Protection Act - XXXX ) : Prohibits unfair or deceptive acts in the conduct of trade or commerce, including inaccurate or misleading credit reporting. 


XXXX XXXX : Debt collectors may not report invalid debts and must cease collection efforts after a valid dispute. 



Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking XXXXXXXX XXXX Account Number : XXXX Violations : FCRA, FDCPA, XXXX, Metro 2 XXXX and Washington CPA XXXX XXXX XXXX ) Demand : Immediate deletion and blocking per FCRA XXXX. 
XXXX. XXXX Account XXXX Same violations apply. 
Demand : Immediate removal of all late payments and erroneous data. 
XXXX. XXXX XXXX XXXX Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX XXXX Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX CRED ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX ) Account Number : XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX ) Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX ) Account NumberXXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) Account NumberXXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX Account Number:XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 

Fraudulent Inquiries to Remove XXXX, XXXX, XXXX, XXXXXXXX XXXX Incorrect Addresses to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX 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. 
Deletion of all unauthorized hard inquiries. 
Correction of all inaccurate personal information. 
Provision of updated credit reports from all XXXX  bureaus. 
Implementation of identity theft protections, including fraud alerts. 
Comprehensive investigation and enforcement for failure to comply with FCRA, FDCPA, and Washington Consumer Protection Act ( XXXX XXXX ). 
Application of fines or penalties under Washington State law and federal law for willful non-compliance and negligence. 

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 creditors Declaration : I affirm under penalty of perjury that all statements provided herein are accurate and truthful to the best of my knowledge. Due to the severe harm caused by these unlawful practices, I request immediate intervention from the CFPB and relevant Washington State authorities to enforce compliance, protect my rights, and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief