Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
I, XXXX XXXX, am filing this sworn statement pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am requesting the immediate deletion, suppression, cease and desist and correction of all inaccurate, fraudulent, and obsolete items appearing on my consumer credit reports maintained by Equifax, Experian, and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This complaint is based on documented data breaches, false reinvestigation practices, and systemic reporting errors that violate my rights under federal law. These violations have been compounded by the ongoing federal government shutdown and FTC system inaccessibility, which have obstructed the ability of consumers like myself to protect our credit and verify fraudulent activity. 



I. Violations of FCRA Investigation Procedures Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to perform a reasonable reinvestigation of disputed information within 30 days. Despite this clear mandate, credit bureaus continue to send automated and generic responses claiming that the accounts were verified as accurate without any actual reinvestigation or evidence from the original furnishers. 

This behavior constitutes direct violations of : 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within the statutory timeframe ; 1681i ( a ) ( 2 ) Failure to forward all relevant information supplied by the consumer ; 1681i ( a ) ( 4 ) Failure to review all submitted documents and evidence ; 1681s-2 ( b ) Failure of furnishers to properly investigate and correct disputed data ; 1681n / 1681o Willful and negligent noncompliance by both bureaus and furnishers. 

This false verification practice violates both the letter and intent of the FCRA, as it denies consumers a fair review process and results in ongoing reporting of inaccurate and harmful information. 



II. Accounts Impacted by Fraud, Inaccuracy, or Data Breaches The following accounts contain unverifiable, outdated, or data-breachrelated inaccuracies that have harmed my credit profile : Experian : U.S. Department of Education ( Acct. # XXXX ) Reported XX/XX/XXXX {$1200.00} / {$1200.00} XXXX ( Acct. # XXXX ) Collection XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct. # XXXX ) XX/XX/XXXX {$3700.00} Equifax : XXXX XXXXXXXX XXXX XXXX XXXX ( Acct. # XXXX ) XX/XX/XXXX {$1600.00} TransUnion : U.S. Department of Education XX/XX/XXXX Recent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these entries is unverified, reuploaded after dispute, or linked to known national data breaches, violating 1681c ( a ), which prohibits the continued reporting of obsolete or unverifiable information.

III. Violations of Data Accuracy and Integrity Under 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. These agencies have failed to do so. The accounts listed above display mismatched data, inconsistent reporting dates, and unauthorized uploads all indicators of compromised information integrity. 

This negligence, especially amid national data breaches, represents reckless disregard for consumer data security and compliance under the FCRA. 



IV. Government Shutdown and FTC System Inaccessibility Due to the ongoing federal government shutdown, multiple consumer protection and reporting systems are either delayed, unstaffed, or inaccessible.

In addition, the Federal Trade Commissions ( FTC ) IdentityTheft.gov portal has been intermittently unavailable or unresponsive, preventing consumers from obtaining official identity theft reports documentation that is often required by credit bureaus to substantiate fraud claims. 

This combination of system failures effectively deprives consumers of due process, obstructing lawful dispute procedures and enabling credit bureaus to continue reporting false or unverifiable data unchecked. 

I request that the CFPB take immediate enforcement action to ensure my consumer rights are upheld while these systems remain disrupted. 



V. Correction of Personal Identifiers ( Names, Addresses, Phone Numbers ) I hereby certify that : The only legal name I have ever used is XXXX XXXX, exactly as shown on my North Carolina drivers license. 
The only correct address associated with me is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
The only phone number I have ever used or authorized is XXXX, the number appearing on my documentation. 

I request that all other names, aliases, prior addresses, and phone numbers be immediately deleted from my credit profile across all credit reporting agencies, pursuant to 1681i ( a ) ( 5 ), as they are inaccurate, unverifiable, or the result of data entry errors or fraud.

Company response to consumer: Closed with explanation