Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Nature of Complaint : Failure to Investigate and Report Accurately in Violation of Federal Law I am filing this complaint due to the failure of the above-named credit reporting agencies and furnishers to comply with their obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and Uniform Commercial Code ( UCC ) in relation to multiple disputed items on my credit report. 
On XX/XX/year>, I mailed certified dispute letters with full documentationincluding identity theft affidavit, FTC report, proof of identity, and detailed explanationsregarding the following accounts : Disputed Accounts ( Examples ) XXXX XXXX XXXX ( {$1400.00XXXX XXXX XXXX ) : Unverified, re-aged, and reported without original contract or DOFD. 
XXXX XXXX ( {$880.00} Collection ) : Identity theft ; no billing records or authorization provided. 
XXXX XXXX XXXX ( {$300.00} XXXX ) : Disputed, unvalidated debt with no documentation. 
XXXX. XXXX ( {$170.00} XXXX XXXX XXXX XXXX ) : Fraudulent, unverifiable, and linked to identity theft. 
XXXX XXXX ( {$0.00} balance ) : Reporting 30-day late on a {$0.00} account misleading and inaccurate. 
XXXXXXXX XXXX XXXX ( {$0.00} balance ) : Incorrect derogatory reporting of a 30-day late payment. 
XXXXXXXX XXXX XXXX XXXXXXXX ( {$94000.00} ) : Multiple 120+ day lates ; re-aged, unresolved, and unverifiable. 
XXXX XXXX ( {$11000.00} ) : Repossession account falsely reporting inflated balance post-recovery sale. 
Legal Violations Cited FCRA 605B : Failure to block identity theft-related accounts upon request with valid affidavit. 
FCRA 609 ( a ) ( 1 ) : Failure to provide original contract, billing records, and proof of liability.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable investigation within 30 days.

FCRA 611 ( a ) ( 6 ) : No Method of Verification ( MOV ) provided upon request.

FCRA 623 ( a ) ( 5 ) : Re-aging of accounts without proper DOFD or notice.

FCRA 602 ( b ) : Reporting inaccurate and misleading derogatory information.

FDCPA 809 ( b ) : Failure to validate alleged debts as required under federal law.

UCC 3-501/9-210 : Failure to provide original signed contract upon request.

Attempts to Resolve I sent detailed certified disputes with legal citations, supporting documents, and 605B identity theft affidavits. I received no adequate response, and several accounts remain reporting inaccurately. In some cases, no investigation was initiated at all, and I was not provided verification or validation documents. 
Relief Requested I am requesting the CFPB to : Investigate the listed CRAs and furnishers for failure to comply with federal law. 
Require the permanent deletion of all unverifiable, inaccurate, and identity theft-related accounts. 
Require all CRAs to correct or remove false late payment marks and charge-offs. 
Enforce penalties for failure to investigate and for violating consumer rights. 
Supporting Documents Certified Mail Receipts Dispute Letters Identity Theft Affidavit FTC Report Credit Report Excerpts Account Statements Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief