Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filling this formal complaint due to the unauthorize and inacurate reporting of accounts on my credit file by Equifax. This situation has severly impacted my financial stability, emotional well-being, and overall quality of life. 
The accounts in question are : XXXX XXXX XXXXXXXX, Account # ********** - {$2700.00} XXXX XXXX XXXX, Account # XXXX - {$1800.00} These accounts have been reported without my knowlege or consent, in clear violation of multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), the Right to Financial Privacy Act ( RFPA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations.

1. Legal Violations Equifax has violated several federal laws design to protect consumer rights : Fair Credit Reporting Act ( FCRA ) : o15 U.S.C. 1681b These accounts were reported without my permision.

o15 U.S.C. 1681e ( b ) Equifax failed to ensure maximum posible acuracy in my credit report.

o15 U.S.C. 1681i Equifax is legaly required to investigate and correct errors within 30 days but has failed to do so.

Truth in Lending Act ( TILA ) : o15 U.S.C. 1631 I was never properly inform that these accounts would be reported.

Gramm-Leach-Bliley Act ( GLBA ) : o15 U.S.C. 6801-6809 I was denyed my right to opt out of having my financial data shared with third parties.

Right to Financial Privacy Act ( RFPA ) : o12 U.S.C. 3402 My private financial data was disclosed without my explicit consent. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : oEquifax engaged in unfair and deceptive practices by reporting unauthorize accounts that have harmed my financial well-being.

2. Legal Precedents These violations are not isolated incidents. Equifax has a history of noncompliance and has face legal actions for similar misconduct : CFPB v. Equifax ( XXXX ) Equifax was sanction for reporting inacurate information and failing to properly investigate disputes, violating 15 U.S.C. 1681i of the FCRA. 
XXXX v. Equifax ( XXXX ) Equifax was sued for failing to correct credit report errors, reinforcing its legal obligation to ensure accuracy. 
FTC vXXXX Equifax ( XXXX ) The FTC imposed a {$700.00} XXXX fine on Equifax for failing to protect consumers financial data, violating the GLBA ( 15 U.S.C. 6801 ) and RFPA ( 12 U.S.C. 3402 ). 
CFPB v. Equifax ( XXXX ) Equifax was sanctioned again for deceptive and unfair credit reporting practices, violating UDAAP regulations.

3. The Emotional, Physical, and Financial Impact The consequences of these errors have been devastating, affecting my mental, emotional, and financial well-being. 
I have experience unbearable stress and anxiety, leading to sleeples nights and constant emotional distress. 
I have been denied essential credit oportunities, directly affecting my financial stability. 
My existing accounts have unfairly high interest rates, increasing my financial burdon. 
I have spent countless hours trying to correct these errors, taking a toll on my personal and profesional life. 
This stress has affected my physical health, causing headaches, fatige, and overall emotional exhaustion. 
No consumer should suffer this level of harm due to neglience from a credit bureau that is entrusted with handling such sensitive financial data.

4. Urgent Request for ActXXXX I am requesting that the FTC take immediate action to investigate Equifax and ensure that these unauthorized accounts are permanently removed from my credit report. Additionally, I urge the FTC to investigate whether Equifax is engaging in a systematic pattern of noncompliance, as their history suggests a consistent disregard for consumer protection laws. 
This situation has put my financial stability, mental well-being, and future at risk. I trust that the FTC will take the necessary steps to hold Equifax accountable and prevent further consumer harm. 
XXXX XXXX

Company response to consumer: Closed with explanation