Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
Identity Theft, Mixed File, False Reporting, Data Breach, and FCRA/FDCPA/FERPA Violations Across All 3 XXXX XXXX XXXX XXXX XXXX XXXX Police report attached COMPLAINT SUMMARY My entire credit file was mixed with another individual ( Name :XX/XX/XXXX 
I am NOT this person, and I never used these names or DOBs. 
in addition to all that my name and info has gotten breached from all three entities. 
This mix-file situation is causing severe and ongoing damage to my credit and safety. 
The following false, fraudulent, or inaccurate items must be deleted : WRONG NAMES & ALIASES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG EMPLOYERS KING SERVICES XXXX SERVICESXX/XX/XXXX These do NOT belong to me. ) WRONG ADDRESSES XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX( incorrect variations ) FALSE NEGATIVE REPORTINXX/XX/XXXX 2 missed payments falsely reported Incorrect installment history Reporting inconsistent data across bureaus XX/XX/XXXX false dataXX/XX/XXXX false data XX/XX/XXXX inconsistent reporting FRAUDULENT HARD INQUIRIES ( These were NOT authorized by me. ) XXXX XXXX ( multiple ) XX/XX/XXXXUNAUTHORIZED SHARING OF MY INFORMATION My private identifying information was accessed and shared without permission in violation of : FCRA 604, 605, 607 ( b ), 609 ( a ) ( 1 ), 611, 615 FDCPA 807, 808 FERPA ( Student Loan Data Misuse ) GLBA Data Privacy Rule Identity Theft and Assumption Deterrence Act ( 18 USC 1028 ) CFPB Regulation V I have never lived at the listed XX/XX/XXXX addresses XXXX never used the XXXX name XXXX and never authorized the inquiries or accounts reflecting on my report. 
This is a clear case of :XX/XX/XXXX Identity Theft Data Breach Willful FCRA ViolationsXX/XX/XXXX I demand full deletion of ALL inaccurate personal information, addresses, inquiries, and false accounts from EVERY bureau and EVERY furnisher involved. 



CFPB ATTACHMENT # 2 PERSONAL INFORMATION CORRUPTION SUMMARY The following personal data is false and must be deleted : WRONG names WRONG aliases WRONG employers WRONG DOBs WRONG addresses WRONG previous addresses These errors violate : FCRA 609 ( a ) ( 1 ) FCRA 610 ( a ) FCRA 611 ( reasonable reinvestigation requirement ) CFPB ATTACHMENT # 3 HARD INQUIRY FRAUD SUMMARY The following inquiries were not authorized and violate : FCRA 604 ( a ) ( 2 ) FCRA 615 GLBA Data Privacy Rule List of unauthorized inquiries : XX/XX/XXXXXXXX ( all ) XXXX XXXX ( all ) XXXX XXXX XXXX XX/XX/XXXX Request immediate removal. 


Mixed file & identity theft : Wrong names, addresses, DOBs, employers, false XXXX XXXX late pays, unauthorized inquiries & data breach. Violations of FCRA 604, 605, 607 ( b ), 609, 611 ; GLBA ; FERPA. Delete all now. 

My credit file is mixed with another person. Wrong names, wrong addresses, false late payments, unauthorized inquiries & data breach. Violations of FCRA 604615, GLBA, FERPA, FDCPA. Remove all inaccurate data and block identity theft immediately. 



FCRA ( full sections ) FDCPA FERPA GLBA TILA Identity Theft laws Data Privacy laws XXXX regulatory rules MASTER LIST OF ALL LAWS FAIR CREDIT REPORTING ACT ( FCRA ) * * Use all these in your disputes : * * * FCRA 602 * * Congressional findings & purpose * * * FCRA 603 * * Definitions ( consumer report, permissible purpose, etc. ) * * * FCRA 604 * * * Permissible purposes of consumer reports * * * * FCRA 605 * * * Adverse information reporting limits * * * * FCRA 605A * * * Fraud alerts & XXXX XXXX alerts * * * * FCRA 605B * * * Identity theft block * * * * FCRA 606 * * Investigative consumer reports * * * FCRA 607 ( b ) * * * Accuracy & maximum possible accuracy requirement * * * * FCRA 608 * * Public record use * * * FCRA 609 ( a ) ( 1 ) * * * Full file disclosure requirement * * * * FCRA 609 ( a ) ( 2 ) * * Sources of information * * * FCRA 609 ( a ) ( 3 ) * * Records of inquiries * * * FCRA 609 ( a ) ( 5 ) * * Employment information * * * FCRA 610 ( a ) * * * Procedures on disclosure to consumers * * * * FCRA 611 * * * Reinvestigation of disputed information * * * * FCRA 612 * * Free annual disclosures * * * FCRA 613 * * Public record requirements * * * FCRA 615 * * * Adverse action notices * * * * FCRA 616 * * * Civil liability for willful noncompliance * * * * FCRA 617 * * Civil liability for negligent noncompliance * * * FCRA 618 * * Jurisdiction of courts * * * FCRA 623 ( a ) ( 1 ) * * Furnishers must report accurately * * * FCRA 623 ( a ) ( 2 ) * * Duty to correct and update * * * FCRA 623 ( a ) ( 3 ) * * Duty to provide notice of disputes * * * FCRA 623 ( a ) ( 8 ) * * Direct disputes * * * FCRA 628 * * Disposal of consumer information * * * Regulation V ( CFPB ) * * All bureau compliance requirements FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) * * Use when disputing collectors, inquiries, or false reporting : * * * FDCPA 807 * * False or misleading representations * * * FDCPA 808 * * Unfair practices * * * FDCPA 809 * * Validation of debts TRUTH IN LENDING ACT ( TILA ) * * For loan verification & demand for wet-ink contracts : * * * TILA 102 * * Purpose * * * TILA 163 * * Written disclosures * * * TILA 1681 ( related disclosure rules ) * * * * * TILA Regulation Z * * Contract requirements GRAMMLEACHBLILEY ACT ( GLBA ) * * Use for * * data breach, unauthorized sharing, privacy violations * * : * * * GLBA Safeguards Rule * * * * * GLBA Privacy Rule * * * * * GLBA Financial Information Protection Requirements * * -- - # * * FERPA ( STUDENT LOAN / EDUCATION DATA PRIVACY ) * * For removing Aidvantage, Dept. of Ed errors, leaks, misuse : * * *XX/XX/XXXXXXXX * * Consent required for disclosure * * * XXXX XXXX * * Conditions for disclosure * * * XXXX XXXX * * Rules for redisclosure * * * XXXX XXXX * * Enforcement throughXX/XX/XXXX IDENTITY THEFT + FEDERAL CRIMINAL LAWSXX/XX/XXXX 18 USC 1028 * * Identity Theft & Fraud * * * 18 USC 1029 * * Fraud & related activity in connection with access devices * * * Identity Theft and Assumption Deterrence Act * * * * * CFPB Regulation V Identity Theft Block Procedures * * CFPB REGULATIONS & FEDERAL RULES * * * * * CFPB Regulation V * * Credit reporting rules * * * CFPB Furnisher Rule * * Data accuracy & dispute duties * * * CFPB FCRA Enforcement Guidance ( 2024 ) * * * * * CFPB Data Protection & Privacy Rules ( 2025 ) * * DATA PRIVACY & WRONG SHARING LAWS * * * * * GLBA Safeguards Rule * * ( financial institutions must protect info ) * * * FCRA 604 ( e ) * * Impermissible access * * * FCRA 615 * * Adverse action based on incorrect data * * * FTC Red Flags Rule * * Identity theft protection * * * CFPB Identity Theft Guidance ( XXXX ) * * CIVIL LIABILITY LAWS YOU CAN CITE FOR DAMAGES * * * * * FCRA 616 * * Willful noncompliance damages * * * FCRA 617 * * Negligent noncompliance damages * * * FCRA 620 * * Attorney general authority * * * FTC Act 5 * * Unfair & deceptive practices * * * State privacy laws ( NY, NV, etc. ) * * COPY-PASTE BLOCK ( FULL LIST 1 MESSAGE ) * * Here is one single block to paste anywhere : * * FCRA 602, 603, 604, 605, 605A, 605B, 606, 607 ( b ), 608, 609 ( a ) ( 1 ), 609 ( a ) ( 2 ), 609 ( a ) ( 3 ), 609 ( a ) ( 5 ), 610 ( a ), 611, 612, 613, 615, 616, 617, 618, 623 ( a ) ( 1 ), 623 ( a ) ( 2 ), 623 ( a ) ( 3 ), 623 ( a ) ( 8 ), 628 ; Regulation V ; FDCPA 807, 808, 809 ; TILA 102, 163, Reg Z ; GLBA ( Safeguards Rule, Privacy Rule ) ; FERPA 99.30, 99.31, 99.33, 99.60 ; 18 USC 1028 , 1029 ; Identity Theft Deterrence Act ; CFPB Identity Theft & Furnisher Rules ; FTC Red Flags Rule ; FCRA Civil Liability 616617 ; FTC Act 5. * *

Company response to consumer: Closed with explanation