Consumer complaint received 2025-07-16 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: 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.

Gramm-Leach-Bliley Act ( 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. 


Nevada State Law : NRS 598.0921 : Prohibits deceptive trade practices including false or misleading credit reporting.

NRS 598.9715 598.9726 : Nevada Credit Services law requires accurate, truthful, and timely handling of credit reporting services.

NRS 205.463 205.4657 : Identity theft, possession and use of personal identifying information without consent. 


NRS 603A.210 : Nevada 's Data Privacy Law requires businesses to protect personal information from unauthorized access and mandates timely breach response.

NRS 598.0999 : 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 XXXX XXXX XXXX XXXX XXXX  Issues : Charged-off status, discrepancies, lack of proper notification Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to properly reinvestigate disputed information FCRA 1681g : Failure to disclose verification records FCRA 1681b : Lack of permissible purpose FDCPA 1692g : Failure to validate debt within 5 days FDCPA 1692e : Misrepresentation of debt status NDTPA 598.0923 ( 1 ) - ( 3 ) : Deceptive and unfair reporting practices Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 
XXXX. XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issues : Balance discrepancies, validation failure Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 
XXXX. XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issues : Balance discrepancies, validation failure Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issues : Balance discrepancies, lack of investigation, and debt validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE LATE PAYMENTS IMMEDIATELY. 

XXXX. XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXssues : Balance discrepancies, lack of investigation, and debt validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE LATE PAYMENTS IMMEDIATELY. 

XXXX. XXXX PL CC ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issues : Balance discrepancies, lack of investigation, and debt validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE LATE PAYMENTS IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issues : Balance discrepancies, lack of investigation, and debt validation Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681b FDCPA 1692g, 1692e NDTPA 598.0923 ( 1 ) - ( 3 ) Request : REMOVE LATE PAYMENTS IMMEDIATELY. 




Unauthorized Inquiries ( Remove Immediately ) Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Conducted without written authorization or permissible purpose Violations : FCRA 1681b : Lack of permissible purpose NDTPA 598.0923 ( 1 ) - ( 3 ) : Deceptive inquiry practices Incorrect Names, Addresses, and Employers : Incorrect Address : 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 Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) : Failure to ensure accuracy NDTPA 598.0923 ( 1 ) - ( 3 ) : Misrepresentation through false data Request : REMOVE ALL INACCURATE PERSONAL DATA IMMEDIATELY. 
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 NRS requirements.

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

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 creditor 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