Consumer complaint received 2025-10-23 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: CO

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : * * XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XXXX XXXXXXXX DOB : XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : * * Formal Complaint Regarding Inaccurate Late Payment Reporting and Noncompliance with Federal & State Consumer Protection Laws This complaint is being submitted to notify the CFPB of ongoing violations by Experian XXXX Equifax XXXX TransUnion XXXX XXXX, and XXXX for their continued reporting of inaccurate, unverifiable late payments regarding my accounts with XXXX XXXX  and XXXX. These agencies and furnishers have failed to properly investigate the dispute and continue to report inaccurate data in violation of the FCRA, FDCPA, GLBA, Metro 2 standards, and Pennsylvania consumer protection laws. 

Attached is the dispute letter issued to the credit bureaus, detailing the legal violations and corrective demands. I request the CFPB take enforcement action. 

* * Relief Requested : * * - Immediate removal of the inaccurate late payments - Confirmation of correction - Enforcement of federal and Pennsylvania consumer protection laws Attached Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SSN : XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX Transunion XXXXntermediate Holding , Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Information Services LLC XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Removal of Late Payments Due to Violations of FCRA, FDCPA, GLBA, Metro 2, and Florida Consumer Law To Whom It May Concern, This letter is a formal demand under federal and state law for the immediate deletion of all reported late payments associated with the accounts listed below. These entries are inaccurate, incomplete, unverifiable, and have been reported or maintained in violation of multiple consumer protection laws and credit industry standards, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 Metro 2 Credit Reporting Standards by the Consumer Data Industry Association ( CDIA ) Pennsylvania Unfair Trade Practices and Consumer Protection Law 73 P.S. 201-1 et seq. 
Violations Committed by Credit Bureaus and/or Data Furnishers FCRA Violations 15 U.S.C. 1681 et seq.

1681e ( b ) : Failure to ensure maximum possible accuracy Inaccurate late payment dates, payment amounts, and inconsistent reporting across bureaus violate this core requirement.

1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days No timely reinvestigation occurred after disputes were submitted.

1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information Data remains unchanged despite being unverifiable.

1681i ( a ) ( 6 ) : Failure to provide results of reinvestigation No reinvestigation summary or validation documentation was provided.

1681s-2 ( b ) : Failure of the furnisher to investigate disputes forwarded by a CRA The original creditor failed to reasonably investigate the disputed item.

1681g ( a ) : Failure to disclose the nature and substance of information in the file Requested source and evidence of verification were never provided.

FDCPA Violations 15 U.S.C. 1692 et seq.

1692g ( a ) : Failure to provide written debt validation within 5 days No timely notice or validation of debt was provided as required.

1692e ( 8 ) : Reporting information known to be false to a credit bureau Continued furnishing of inaccurate payment history after notice of dispute.

1692d & 1692f : Unfair or unconscionable means to collect a debt Repeated reporting of disputed derogatory information as a collection tactic.

GLBA Violations 15 U.S.C. 68016809 6801 ( b ) : Failure to implement safeguards to protect consumer information Reporting inaccurate data indicates insufficient data integrity protocols.

6802 ( a ) : Unauthorized disclosure of nonpublic personal information Mishandling or inaccurate sharing of sensitive credit data.

Metro 2 Compliance Failures CDIA Guidelines Metro 2 4.2.2 & 6.1.2 : Inaccurate reporting of delinquency status Late payments must be date-accurate, validated, and consistent across CRAs.

Metro 2 4.2.4 : Inconsistent furnishing of account updates Stale, duplicative, or contradictory reporting across different CRAs.

Metro 2 7.1.3 : Failing to update accounts post-dispute Updated information or deletions not submitted after disputes resolved.

Pennsylvania Consumer Law Violations Pennsylvania Unfair Trade Practices and Consumer Protection Law 73 P.S. 201-1 et seq.

501.204 ( 1 ) : Unfair or deceptive acts in the conduct of trade or commerce Continuing to report demonstrably inaccurate derogatory data.

501.211 : Civil remedies Florida consumers have the right to recover actual damages and attorneys fees due to violations of Pennsylvania Unfair Trade Practices and Consumer Protection Law. 

Accounts with Disputed Late Payments Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : 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 : Format violations and inaccurate payment history Pennsylvania Unfair Trade Practices and Consumer Protection Law : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2 due to inaccuracies and all violations on this account, this account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring the activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses.

In compliance with the Metro 2 standards and FCRA section 611 ( a ) ( 1 ) ( A ), TransUnion is required to perform an automated reinvestigation within 30 days. Ensure that your OneTRU system promptly identifies these late payment entries as unsubstantiated, incorrectly furnished, or otherwise non-compliant. 

My Legal Demands Under the above-referenced federal and state laws, I formally demand that you : Delete all late payment entries listed above under FCRA 1681c-2 due to inaccuracies and all violations on this account, this account must be corrected immediately, flagged under Dispute Code 106. 
Conduct a full investigation and provide written results per FCRA 1681i ( a ) ( 6 ).

Supply verification documentation, including account history, payment ledgers, and communication logs.

Issue corrected reports to all third parties who accessed my report in the past 6 months under FCRA 1681i ( d ).

Provide me with a free updated copy of my credit report after corrections.

Notice of Enforcement Action If these demands are not fully met within 30 calendar days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report this noncompliance to the Federal Trade Commission ( FTC ) Notify the Pennsylvania Attorney General Initiate legal action for statutory, actual, and punitive damages under : FCRA 1681n and 1681o FDCPA 1692k Pennsylvania Unfair Trade Practices and Consumer Protection Law 501.211 ( 2 ) I expect your compliance with all legal obligations, including the full and prompt correction of these violations. This letter is submitted in good faith as required under federal dispute statutes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation