Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I, XXXX XXXX, hereby submit this formal complaint against Experian, Equifax, and TransUnion for their continued and willful violations of federal and state consumer protection laws. Despite multiple written disputes and demands sent to the Bureaus, they continue to report inaccurate, incomplete, and unverifiable information, including late payments, fraudulent collections, and unauthorized hard inquiries. These errors persist in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), XXXX Metro 2 Guidelines , and Nevada consumer statutes. 

II. Disputed Accounts and Issues : Experian & Equifax : Late Payments XXXX XXXX XXXX : XXXX * * * * XXXX XXXX XXXX : XXXX * * * * inquiries Hard Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX III. Violations Committed by the Bureaus and/or Data Furnishers : A. Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. 
XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation XXXX ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information XXXX ( a ) ( XXXX ) : Failure to provide reinvestigation results XXXX ( a ) : Failure to disclose the nature and substance of information in the file XXXX ( b ) : Furnishers failure to investigate after CRA notification XXXX ( d ) : Failure to send updated reports to previous recipients B. Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq. 
XXXX ( a ) : Failure to provide written validation within 5 days XXXX ( b ) : Reporting debt without validation XXXX ( XXXX ) : Reporting information known to be false XXXX & XXXX : Unfair or unconscionable means of collection C. Gramm-Leach-Bliley Act ( GLBA ) XXXX U.S.C. XXXX XXXX ( b ) : Inadequate safeguards for consumer data integrity XXXX ( a ) : Unauthorized disclosure of nonpublic personal information D. Metro 2 Compliance Violations ( XXXX XXXX ) XXXX & XXXX : Inaccurate delinquency reporting XXXX : Inconsistent and duplicative account updates XXXX : Failure to update or delete after dispute resolution XXXX Nevada Consumer Law Violations NRS Chapter XXXX NRS XXXX ( XXXX ) : Knowingly reporting false information NRS XXXX ( XXXX ) : Failure to disclose material information affecting a consumer decision NRS XXXX ( XXXX ) : Misrepresentation on a credit report NRS XXXX : Entitles consumer to civil remedies, including damages and attorneys fees F. Identity Theft and Security Statutes Nevada Revised Statutes NRS XXXX : Identity theft protections ignored NRS XXXX : Failure to support victims of identity theft NRS XXXX XXXX : Failure to protect personal identifying information IV. Relief Sought : I respectfully request that the CFPB enforce immediate corrective action upon Experian, Equifax, and TransUnion, including : Permanent removal of all late payments and unverifiable accounts listed. 

Deletion of all unauthorized inquiries identified in this complaint. 

Full reinvestigation with documented verification provided under XXXX ( a ) ( 6 ). 

Issuance of corrected reports to all parties who accessed my file in the past 6 months ( XXXX ( d ) ). 

Provision of a new credit report free of charge reflecting all corrections. 

Written confirmation that all actions above have been completed. 

V. Notice of Intent to Escalate : If these violations are not rectified within the mandated 30-day window, I reserve the right to : File civil actions under : FCRA XXXX & XXXX FDCPA XXXX XXXX XXXX Submit complaints to the Federal Trade Commission XXXX FTC ) and Nevada Attorney General Seek actual, statutory, and punitive damages in accordance with applicable law VI. Supporting Documentation : Attached to this complaint are the original certified dispute letters sent to the Bureaus, which include account numbers, dispute details, law codes, and all violations asserted herein. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief