Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have failed to comply with the Fair Credit Reporting Act by continuing to report inaccurate and unverifiable information despite multiple written disputes and formal requests for method of verification. On XX/XX/year>, I submitted detailed disputes identifying several accounts and inquiries that contain factual inaccuracies and data inconsistencies across all three bureaus, including XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX account number XXXX. I also disputed unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX dated XX/XX/year>, which were conducted without permissible purpose or my written authorization. The bureaus have failed to produce any proof of verification, signed credit applications, timestamps, or documentary evidence supporting these reports, which is a clear violation of 15 USC 1681i and 15 USC 1681s-2. Additionally, I was impacted by the
National Public Data Breach ( NPD Breach ), which exposed sensitive consumer information and has resulted in unauthorized access and misuse of personal data nationwide. Due to this breach, my personal information was compromised, and I have strong reason to believe these unauthorized inquiries and inconsistent data entries stem from the misuse of my breached information. Despite being informed of this fact, the credit bureaus continued to verify and report these disputed items without evidence or permissible authorization, demonstrating willful disregard for federal compliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o.

Further review of the disputed accounts revealed significant Metro 2 data violations, including mismatched balances, inconsistent payment histories, and contradictory account statuses such as accounts listed as closed yet simultaneously reported as current. My personal identifiers were also mishandled, as outdated addresses and name variations like XXXX XXXX XXXX remain on file despite prior correction requests. These failures compromise the accuracy and integrity of my credit file and represent clear noncompliance with both FCRA and Metro 2 reporting standards.

This ongoing failure to correct, verify, or delete the erroneous data has caused measurable harm, including credit score suppression, emotional distress, and denial of fair credit opportunities. Therefore, I am demanding the immediate deletion of all disputed accounts, unauthorized inquiries, and inaccurate personal identifiers from my credit reports across all three bureaus. The continued reporting of unverifiable and unauthorized information following the NPD Breach constitutes a serious consumer protection violation. I respectfully request the CFPB to compel full deletion of these items, ensure strict adherence to federal verification standards, and take enforcement action for willful noncompliance by all three credit bureaus.

Company response to consumer: Closed with non-monetary relief