Consumer complaint received 2025-08-15 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:
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 law. 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 associated federal laws, constituting further violations.

Violations Committed by THE BUREAUS : 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 adequately 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 adequate victim assistance, fraud alerts, and recovery tools Metro2XXXX Violations : Noncompliance with established industry reporting standards Michigan Identity Theft Protection Act ( Mich. Comp . Laws 445.61 et seq. ) : Failure to protect consumers against identity theft Michigan Consumer Protection Act ( Mich. Comp. Laws 445.901 et seq. ) : Unfair, misleading, or deceptive business practices FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX Account Number : XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX Account Number : XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate removal of all late payments under FCRA 1681c-2 , MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. 
Fraudulent Hard Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 , Michigan Consumer Protection Act MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), and MCL 445.903 ( 1 ) ( cc ), and Michigan Collection Practices Act MCL 445.252 ( e ) and MCL 445.252 ( f ) due to identity theft and lack of verification.

Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2, Michigan Consumer Protection Act MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), and MCL 445.903 ( 1 ) ( cc ), and Michigan Collection Practices Act MCL 445.252 ( e ) and MCL 445.252 ( f ) due to identity theft and lack of verification.

Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2, Michigan Consumer Protection Act MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), and MCL 445.903 ( 1 ) ( cc ), and Michigan Collection Practices Act MCL 445.252 ( e ) and MCL 445.252 ( f ) due to identity theft and lack of verification.

Incorrect Name Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA 1681c-2, Michigan Consumer Protection Act MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), and MCL 445.903 ( 1 ) ( cc ), and Michigan Collection Practices Act MCL 445.252 ( e ) and MCL 445.252 ( f ) due to identity theft and lack of verification.

Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Immediate deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information, including addresses, employers, and names.

Provision of updated credit reports from all three bureaus confirming these corrections.

Implementation of statutory identity theft protections, including fraud alerts.

Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines.

Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations.

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 CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and
creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief