Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint to report serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards by Equifax, Experian, and TransUnion. Despite multiple formal disputes and active CFPB cases already filed on XX/XX/XXXX ( Case IDs : XXXX, XXXX, and XXXX ), all three credit bureaus continue to publish unverifiable and contradictory data connected to my identity, which has been compromised through a confirmed data breach. 

Identity Theft and Breach of Data Integrity My social security number has been compromised, and I have filed an FTC Identity Theft Report, which was submitted with my prior disputes. Under 15 U.S.C. 1681c-2, the bureaus are required to block and remove any information resulting from identity theft within four business days once proper documentation is provided. Despite this, all three bureaus continue to report fraudulent or unverifiable data, causing ongoing harm to my credit profile and financial opportunities. 

Unverifiable and Conflicting Personal Identifiers The bureaus have continued to report multiple name variations, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of which have been verified through valid source documentation. This violates FCRA 607 ( b ), which requires maximum possible accuracy, and Metro 2 standards that mandate identical consumer identifiers across repositories. 

Additionally, several false addresses remain in my files despite repeated disputes and CFPB filings : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these addresses are valid for me, nor can the bureaus produce any verified proof that I ever lived or conducted business at these locations. Continuing to publish such unverifiable data constitutes willful noncompliance under 15 U.S.C. 1681n and breaches data integrity principles under the Gramm-Leach-Bliley Act and the Privacy Act of 1974. 

Inaccurate and Contradictory Account XXXX XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) is being falsely reported by all three bureaus with conflicting dates, amounts, and statuses. The account simultaneously appears as charged off, disputed, and meets FCRA requirements, which is contradictory and noncompliant with Metro 2 XXXX XXXX standards. For example : Date Opened differs between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 

High Credit and Credit Limit are inconsistent, showing both {$0.00} and {$2000.00} across reports. 

The payment history lists positive statuses ( OK ) during the same time the account is reported as a charge-off. 

These inconsistencies demonstrate that the data is corrupted and unverifiable. No creditor has provided validation of debt or original signed contracts, violating FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) requiring a lawful reinvestigation. 

Unverified Employment Entries Experian continues to list unverifiable employersXXXX XXXX XXXX XXXXthat do not appear on Equifax or TransUnion. No documentation or verification has been provided, creating conflicting employment records that again violate FCRA 607 ( b ) and Metro 2 reporting uniformity standards. 

Failure to Conduct Lawful Reinvestigation All three bureaus have failed to provide method-of-verification documentation under FCRA 611 ( a ) ( 7 ) and have ignored my prior disputes, effectively recycling inaccurate data after formal CFPB intervention. This demonstrates systemic negligence and willful disregard for consumer rights under 15 U.S.C. 1681o and 1681n. 

Requested Resolution I am demanding the following remedies under the authority of the CFPB : Immediate and permanent deletion of all unverifiable names, addresses, and employment entries. 

Permanent deletion of the XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX due to unverifiable data, contradictory Metro 2 coding, and failure to validate under FDCPA 809 ( b ). 

Written confirmation of compliance and documentation verifying each correction under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Investigation into each bureaus continued publication of data tied to known data-breach victims, as this constitutes a serious privacy and data-handling violation under the Gramm-Leach-Bliley Act and the Privacy Act of 1974. 

The ongoing reporting of this inaccurate and unverifiable information has caused substantial harm to my reputation, creditworthiness, and peace of mind. These violations are willful, repeated, and systematic across all three credit bureaus and data furnishers. 

Legal Summary and Basis for Action : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) & ( 7 ) : Failure to conduct lawful reinvestigation and provide method of verification FDCPA 809 ( b ) : Failure to validate alleged debts FCRA 1681n and 1681o : Civil liability for willful and negligent noncompliance 15 U.S.C. 1681c-2 : Failure to block fraudulent data upon receipt of identity theft documentation Gramm-Leach-Bliley Act & Privacy Act of 1974 : Mishandling of compromised personal identifiers Metro 2 XXXX XXXX : Violations of data field uniformity and accuracy mandates Recommended CFPB Action : Request full deletion of unverifiable accounts and identifiers and escalate for regulatory enforcement due to willful FCRA and Metro 2 noncompliance by all three credit bureaus.

Company response to consumer: Closed with non-monetary relief