Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
I am submitting this sworn statement under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to demand the immediate removal, deletion, and suppression of all inaccurate, fraudulent, and obsolete accounts appearing on my credit reports with Equifax, Experian, and TransUnion.

This complaint also addresses systemic violations of the FCRAs investigation requirements, data breach negligence, and failure to comply with the laws reinvestigation mandates compounded by the recent federal government shutdown and FTC system inaccessibility, which have hindered timely consumer protection and reporting rights.

I. Violations of the FCRA Reinvestigation Process Under 611 ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes information. However, these agencies have consistently failed to comply issuing automated verified as accurate responses without performing a genuine investigation or providing documentation that substantiates their findings.

This conduct violates : 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within 30 days.

1681i ( a ) ( 2 ) Failure to forward relevant consumer documentation to the furnisher.

1681i ( a ) ( 4 ) Failure to review all consumer-provided evidence.

1681s-2 ( b ) Failure of furnishers to investigate and correct data across all agencies.

These repeated and boilerplate responses represent a willful pattern of noncompliance and false certification of investigation, violating 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) of the FCRA.

II. Accounts Impacted by Inaccuracy, Fraud, or Data Breach The following accounts were either compromised, inaccurately reported, or unlawfully reinserted after prior disputes, in violation of the FCRA : XXXX XXXX ( XXXX ) $ XXXX, XXXXXXXX XXXX ( XXXX ) $ XXXX, XXXXXXXX XXXX  ( XXXX ) {$860.00}, XX/XX/XXXX, XXXX ( XXXX ) {$9400.00}, XX/XX/XXXX : XXXX : XXXX XXXX XXXX XXXX ( XXXX ) {$190.00}, XX/XX/XXXX These entries contain unverifiable data, post-breach uploads, and disputed dates of activity inconsistent with valid reporting timelines. Under 1681c ( a ), such obsolete or unverifiable information must be deleted immediately, and under 1681e ( b ), all bureaus must ensure maximum possible accuracy.

III. Compounding Factors : Government Shutdown and FTC Inaccessibility Due to the current federal government shutdown, multiple oversight agencies and portals have been unavailable or delayed, preventing consumers from exercising critical FCRA and identity theft rights in a timely manner. 

Additionally, the Federal Trade Commissions ( FTC ) identity theft reporting system ( IdentityTheft.gov ) has been inaccessible or non-responsive, blocking submission of supporting reports necessary to substantiate fraud claims and identity misuse cases. 

This situation constitutes a temporary denial of access to federally guaranteed consumer protection mechanisms, further worsening harm caused by credit bureaus inaction and misinformation. As a result, consumers like myself are suffering continued financial damage and loss of due process during a period of administrative disruption, despite FCRA-mandated protections that remain in effect.

I therefore request that the CFPB step in immediately as the active enforcement body to ensure compliance and initiate corrective actions while FTC systems remain limited or unavailable.

Company response to consumer: Closed with explanation