Consumer complaint received 2025-06-25 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: NV

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 Nevada state laws. 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 applicable Nevada Revised Statutes ( NRS ), constituting further violations. 

Violations Committed by the Bureaus : Federal Law : 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. 

XXXX XXXX ( 15 U.S.C. 68016809 ) : Failure to 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 victim assistance, fraud alerts, and recovery tools. 

Metro2/CDIA Violations : Noncompliance with established industry credit reporting standards.

FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to debt validation requests. 

XXXX XXXXXXXX XXXX : XXXX XXXX : Prohibits deceptive trade practices including false or misleading credit reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX Credit Services law requires accurate, truthful, and timely handling of credit reporting services. 

XXXX XXXX XXXX : Identity theft, possession and use of personal identifying information without consent. 

XXXX XXXX : Nevada 's Data Privacy Law requires businesses to protect personal information from unauthorized access and mandates timely breach response. 

XXXX XXXX : Imposes civil penalties for deceptive trade practices, including misleading representations and failure to comply with legal obligations. 

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX XXXX XXXX XXXX XXXX XXXX 704015XXXX 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 : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 2. COMENITYCAPITAL/BARN Account Number : 578097XXXX 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 : Reporting format violations XXXX Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.09
23 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2.

3. NATIONSTAR/MR COOPER Account Number : 669624XXXX 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 : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate removal and permanent blocking OF ALL LATE PAYMENTS pursuant to 15 U.S.C. 1681c-2 and 1681i ( a ) ( 1 ) ( A ). 
Unfamiliar or Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
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 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 three bureaus. 

Implementation of identity theft protections, including fraud alerts. 

Comprehensive investigation and enforcement for failure to comply with FCRA, FDCPA, and XXXX requirements. 

Fines or penalties under Nevada law and federal law for willful negligence. 

Supporting Documentation Previously Submitted : Government-issued photo identification Social Security XXXX XXXX police report documenting identity theft Proof of current residence Original dispute letters to the 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 Nevada state authorities to enforce compliance, uphold my rights, and restore my credit integrity.

Company response to consumer: Closed with non-monetary relief