Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing a formal complaint against multiple entities for reporting inaccurate, unauthorized, and fraudulent information on my credit report in violation of federal laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Gramm-Leach-Bliley Act ( GLBA ) ( 18 U.S.C. 1028 ) Various U.S. criminal statutes, including identity theft ( 18 U.S.C. 1028A ) and extortion ( 18 U.S.C. 894 ) I demand an immediate investigation into these violations and request the removal or correction of all disputed items.

Details of the Complaint XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Failure to Obtain SSA-89 Authorization Unlawful possession of my personal data. 
Violation of 18 U.S.C. 894 ( Extortionate Collection of Debt ) Attempting to collect a debt through unlawful means. 
Failure to Provide GAAP Accounting Records Lack of proper creditor identification. 
Resolution Requested : Remove all accounts associated with XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX immediately. 
XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Securities Fraud & Unjust Enrichment ( 15 U.S.C. 1602 ) These companies received monetary compensation but failed to provide a financial product. 
Breach of Fiduciary Duty & Restraint of Trade Violations of the Clayton Act and Sherman Antitrust Act. 
Unlawful Hard Credit Inquiry Performed unauthorized credit pulls, damaging my credit score.

Aggravated Identity Theft ( 18 U.S.C. 1028A ) Placed unauthorized credit inquiries and negative reports on my file.

GLBA Violation ( 18 U.S.C. 1028 ( c ) ( 8 ) ) Used my personal data without consent.


Resolution Requested : Remove all unauthorized credit inquiries and negative reports associated with these entities immediately.

XXXX XXXX ( XXXX  Account ) Aggravated Identity Theft ( 18 U.S.C. 1028A ) Regulation F Violations ( 12 CFR 1006.34, 1006.38, 1006.42 ) Failure to provide notice of debt reassignment. 
FDCPA Violations Furnishing false and misleading information. 
15 U.S.C. 1692c ( c ) & 1692e ( 8 ) Reporting assumptions as valid debts. 
Resolution Requested : Remove all Cornerstone-related entries from my credit report immediately.

XXXX XXXX XXXX XXXX and misleading reporting ( 15 U.S.C. 1681a-2a-1 ) Incorrect late payment reports. 
FDCPA Violations Harassment and unauthorized data sharing.

GLBA Violation ( 18 U.S.C. 1028 ( c ) ( 8 ) ) Unauthorized use of my personal data.

Resolution Requested : Correct my credit report to reflect on-time payments and remove all inaccurate marks.

XXXX XXXX XXXX Unlawful Reporting ( 15 U.S.C. 1681a-2a-1 ) FDCPA Violations Furnishing false and misleading information. 
GLBA Violation ( 18 U.S.C. 1028 ( c ) ( 8 ) ) Unauthorized use of my personal data.

Resolution Requested : Remove all negative marks and correct my credit report to reflect on-time payments.

Final Demand for Immediate Action Pursuant to 15 U.S.C. 1681i ( FCRA ), I demand that : All disputed items be investigated and corrected within 72 hours via rapid rescoring.

Any unverifiable information be removed immediately. 
Requested Resolution from CFPB Conduct an investigation into these violations.

Instruct the credit bureaus and creditors to remove or correct the disputed information. 
Ensure compliance with federal laws to prevent further unlawful credit reporting. 
Final Demand for Immediate Action Pursuant to 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1681o, I demand that : All disputed items be investigated and corrected within 72 hours via rapid rescoring.

Any unverifiable information be removed immediately. 
The responsible parties be held accountable for negligent noncompliance under 15 U.S.C. 1681o, and or 15 U.S.C. 1681n including any damages caused by their failure to maintain accurate credit reporting.

I request that the CFPB take immediate action to resolve these violations and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief