Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( XXXX  ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. 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 ( XXXX  ) and associated federal laws, constituting further violations. 

Violations Committed by THE BUREAUS : XXXX U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXXday timeframe FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings XXXX U.S.C. XXXX : Failure to notify the consumer of alleged debts within the required timeframe XXXX XXXX ( XXXX U.S.C. XXXX ) : Failure to adequately safeguard consumer personal information XXXX U.S.C. XXXX : Identity theft and unauthorized misuse of personal data XXXX U.S.C. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools XXXX Violations : Noncompliance with established industry reporting standards California Consumer XXXX Act ( CCPA ), Cal. XXXX. Code XXXX et seq. and California Consumer Credit Reporting Agencies Act ( CCRAA ), XXXX. XXXX. XXXX XXXX XXXX XXXX. : Violations relating to identity theft, inaccurate credit reporting, and failure to protect consumer rights FDCPA XXXX U.S.C. XXXX ( b ) : Failure to respond to validation requests within XX/XX/XXXXdays Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations CA XXXX : XXXX. XXXX. Code XXXX ( a ) ( XXXX ), XXXX. XXXX. & XXXX XXXX XXXX DEMAND : Immediate removal and permanent blocking OF ALL LATE PAYMENTS pursuant to XXXX U.S.C. XXXX and XXXX ( a ) ( XXXX ) ( A ). 
Fraudulent Inquiries to Remove Entities : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX CRED, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or Incorrect Addresses XXXX XXXX AV XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA Incorrect Name : 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 Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief