Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, Clover, SC XXXX Report Date : XX/XX/XXXX XXXX : XXXX Bureaus Involved : TransUnion, Equifax, Experian I am filing this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, Equifax, and Experian , and the following furnishers, who are reporting fraudulent, inaccurate, and unverifiable accounts despite multiple disputes and supporting documentation.

I submitted Metro 2compliant dispute letters, a notarized identity theft affidavit, and proof of address and ID, demanding the permanent removal of these accounts. These agencies have failed to remove or verify the accounts within the required time under FCRA 1681i.

DISPUTED ACCOUNTS ( MASKED ) 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 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 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 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 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 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 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 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 
- remove late payment XXXX XXXX XXXX - XXXX -remove late payment VIOLATIONS COMMITTED : FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information FCRA 1681s-2 ( b ) : Furnishers failed to conduct proper reinvestigation FCRA 1681c : Inaccurate and obsolete information still reporting FCRA 1681b : No permissible purpose to report these accounts FCRA 1681i ( a ) ( 5 ) ( B ) : Accounts reinserted without required Harm suffered : Lost funding and business opportunities Mental distress, anxiety, and financial strain These agencies and furnishers have violated the FCRA. They are actively harming my ability to operate professionally, and it is unacceptable that this level of noncompliance is allowed to persist. If this is not resolved immediately, I am prepared to escalate this issue to the Attorney General, media, and civil court under FCRA 1681n and 1681o.

I am asking the CFPB to take aggressive enforcement action now. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief