Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Dispute of Fraudulent and Inaccurate Accounts Demand Under FCRA, FDCPA, GLBA, XXXX XXXX, and Arizona Consumer Law Dear CFPB, I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my credit file. 

Disputed Accounts and XXXX : XXXX. XXXX 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 formatting and accuracy violations Arizona Consumer Fraud Act 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 due to identity theft and lack of verification, this account must be deleted immediately, flagged under XXXX XXXX XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. 
XXXX. XXXX 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 formatting and accuracy violations Arizona Consumer Fraud Act 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) XXXX. 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 formatting and accuracy violations Arizona Consumer Fraud Act 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 XXXX XXXX XXXX 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. 
XXXX. XXXX XXXX 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 formatting and accuracy violations Arizona Consumer Fraud Act 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Demand XXXX Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification . 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX XXXXXXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification. 
Legal Demands REMOVE AND BLOCK all disputed accounts, inquiries, addresses, and employment data listed above. 
PROVIDE WRITTEN CONFIRMATION of all removals and furnish an updated consumer disclosure report. 
ACTIVATE FRAUD ALERTS in compliance with 15 U.S.C. 1681g ( e ). 
SEND WRITTEN RESULTS of your investigation, including verification sources and all documentation used in your review. 
DO NOT REINSERT any removed items without strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including timely certification and notice.

Supporting Documentation Attached Government-Issued Photo ID Social Security Card Police Report related to Identity Theft Recent Utility Bill ( Proof of Address ) Final Notice of Enforcement Failure to comply with the above demands will result in the immediate filing of formal complaints with the following regulatory authorities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Arizona Attorney General Legal action for damages under 15 U.S.C. 1681n and 1681o This letter is sent in good faith and in accordance with all relevant consumer rights statutes. You are hereby notified to respond within the time frame required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formatting and accuracy violations Arizona Consumer Fraud Act 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX XXXXXXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification. 
Legal Demands REMOVE AND BLOCK all disputed accounts, inquiries, addresses, and employment data listed above. 
PROVIDE WRITTEN CONFIRMATION of all removals and furnish an updated consumer disclosure report. 
ACTIVATE FRAUD ALERTS in compliance with 15 U.S.C. 1681g ( e ).

SEND WRITTEN RESULTS of your investigation, including verification sources and all documentation used in your review.

DO NOT REINSERT any removed items without strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including timely certification and notice. 
Supporting Documentation Attached Government-Issued Photo ID Social Security Card Police Report related to Identity Theft Recent Utility Bill ( Proof of Address ) Final Notice of Enforcement Failure to comply with the above demands will result in the immediate filing of formal complaints with the following regulatory authorities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Arizona Attorney General Legal action for damages under 15 U.S.C. 1681n and 1681o This letter is sent in good faith and in accordance with all relevant consumer rights statutes. You are hereby notified to respond within the time frame required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX XXXX  XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification. 
Legal Demands REMOVE AND BLOCK all disputed accounts, inquiries, addresses, and employment data listed above. 
PROVIDE WRITTEN CONFIRMATION of all removals and furnish an updated consumer disclosure report. 
ACTIVATE FRAUD ALERTS in compliance with 15 U.S.C. 1681g ( e ). 
SEND WRITTEN RESULTS of your investigation, including verification sources and all documentation used in your review. 
DO NOT REINSERT any removed items without strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including timely certification and notice. 
Supporting Documentation Attached Government-Issued Photo ID Social Security Card Police Report related to Identity Theft Recent Utility Bill ( Proof of Address ) Final Notice of Enforcement Failure to comply with the above demands will result in the immediate filing of formal complaints with the following regulatory authorities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Arizona Attorney General Legal action for damages under 15 U.S.C. 1681n and 1681o This letter is sent in good faith and in accordance with all relevant consumer rights statutes. You are hereby notified to respond within the time frame required by federal law. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 employers under FCRA 1681c-2 due to identity theft and lack of verification. 
Legal Demands REMOVE AND BLOCK all disputed accounts, inquiries, addresses, and employment data listed above. 
PROVIDE WRITTEN CONFIRMATION of all removals and furnish an updated consumer disclosure report. 
ACTIVATE FRAUD ALERTS in compliance with 15 U.S.C. 1681g ( e ). 
SEND WRITTEN RESULTS of your investigation, including verification sources and all documentation used in your review. 
DO NOT REINSERT any removed items without strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including timely certification and notice. 
Supporting Documentation Attached Government-Issued Photo ID Social Security Card Police Report related to Identity Theft Recent Utility Bill ( Proof of Address ) Final Notice of Enforcement Failure to comply with the above demands will result in the immediate filing of formal complaints with the following regulatory authorities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Arizona Attorney General Legal action for damages under 15 U.S.C. 1681n and 1681o This letter is sent in good faith and in accordance with all relevant consumer rights statutes. You are hereby notified to respond within the time frame required by federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Demands : XXXX. REMOVE AND BLOCK all disputed accounts, inquiries, addresses, and employment data listed above. 
XXXX. PROVIDE WRITTEN CONFIRMATION of all removals and furnish an updated consumer disclosure report. 
XXXX. ACTIVATE FRAUD ALERTS in compliance with 15 U.S.C. 1681g ( e ). 
XXXX. SEND WRITTEN RESULTS of your investigation, including verification sources and all documentation used in your review. 
XXXX. DO NOT REINSERT any removed items without strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including timely certification and notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief