Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint concerns repeated failures by the XXXX nationwide Consumer Reporting Agencies ( CRAs ) Equifax, Experian, and XXXX maintain accurate consumer credit files, in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. Despite multiple written disputes supported by legal citations, personal verification documents, and evidence, each CRA has continued to report inaccurate, outdated, or unverifiable information, thereby causing harm and placing the consumer at risk of identity theft, misidentification, and financial injury. 

XXXX. Unlawful Delays and Obstruction Across all disputes, the CRAs attempted to delay or obstruct processing, claiming possible third-party involvement. 

Violation : Under 15 U.S.C. 1681i, CRAs must investigate disputes in a timely manner. There is no legal basis to delay processing based on speculation of credit repair assistance. 

Impact : These delays represent willful disregard of consumer rights and obstruct legitimate dispute resolution. 

XXXX. Inaccurate Personal Information Each CRA reported incorrect addresses, employer data, and even variations of the consumers name : Equifax : Wrong addresses at XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX, XXXX  ). 

Experian : Wrong addresses at XXXXXXXX XXXX XXXX  ( XXXX, XXXX  ) and XXXX XXXX listed as employer. 

TransUnion : Wrong addresses at XXXX XXXX XXXX ( XXXX, XXXX  ), incorrect employer XXXX XXXX, and wrong name spelling XXXX XXXX instead of XXXX. 

These errors violate FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer reports XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX. Failure to Substantiate Accounts Letters to all XXXX  CRAs demanded verifiable evidence of reported accounts and identifiers. 

No documentary proof was provided. 

Allegations of delinquency remain unsupported, violating Metro 2 standards and the requirement for factual substantiation. 

Without proper validation, continued reporting constitutes negligent or willful misreporting. 

XXXX. Breach of Consumer Privacy Supporting documents included personal ID and Social Security verification, submitted under 16 CFR 682.3 with explicit instructions to purge copies after verification. 

CRAs continued mishandling of sensitive identifiers poses a serious data security risk, especially given the Equifax data breach. 

Failure to comply represents an unlawful retention of personal identifiers XXXX XXXX. 

XXXX. Legal Violations The following statutory breaches are implicated : FCRA 1681i : Failure to conduct timely investigations.

FCRA 1681e ( b ) : Failure to ensure maximum accuracy.

FCRA 603 ( d ), 604 & 605 ( h ) : Reporting unverified personal identifiers.

FCRA 616 : Potential willful noncompliance, triggering liability for damages. 

XXXX. Consumer Harm Financial Impact : Misreporting impairs access to credit, employment, and housing. 

Identity Risk : Incorrect identifiers increase the risk of fraud and misidentification. 

Emotional Distress : Repeated inaction and disregard of federal law cause frustration and undermine trust in the credit system. 

Requested Relief The Consumer requests CFPB intervention to compel the CRAs to : Permanently delete all inaccurate names, outdated addresses, and false employer records. 

Provide written verification of deletions and corrections. 

Confirm compliance with FCRA standards moving forward. 

Compensate damages where applicable, under FCRA 616 for willful violations.

Company response to consumer: Closed with non-monetary relief