Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
1 ) Summary of Complaint I am the victim of identity theft, mixed-file reporting, and data breaches which have produced materially inaccurate and inconsistent tradeline data across the national CRAs and specialty vendors. I submitted an identity-theft report ( FTC Identity Theft Report Ref # : XXXX ) and supporting identity documents. Despite that, previously deleted identity-theft items were reinserted without furnisher certification or the required written 5-day notice, and TransUnion/Experian/Equifax have failed to produce full Method of Verification ( MOV ) for retained items or for hard inquiries. I am filing this complaint to require full MOV, deletion/blocking of unauthorized or unverifiable items, and correction of my credit files.

2 ) Legal basis cited Requests and violations asserted under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 604, 607 ( b ), 609 ( a ), 611, 605A, 605B. Metro 2 reporting codes ( e.g., 112, 162 ) are referenced throughout.

3 ) Principal requests/ relief sought Provide full Method of Verification ( MOV ) for every retained tradeline and inquiry, including : furnisher name & member code, complete furnisher ledger ( monthly history ), certified furnisher response, account open/close dates, high credit, balance history, payment history with dates, Metro 2 detail codes used, IP/device logs for e-consent, and whether verification was manual or automated ( e-OSCAR / automated feed ).

Block and suppress all items identified as identity-theft or mixed-file under 605B until certified MOV is provided. 

Permanently delete any tradeline or hard inquiry for which MOV can not be produced or which was reinserted without required furnisher certification and the 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).

Provide updated, corrected consumer disclosures and a copy of my corrected credit file to my address within the statutory period ( 30 days ) in compliance with 611. 

Produce a clear record ( with dates ) of all reinvestigation steps and any documents relied upon to verify retained items.

4 ) Key facts/ specific problems ( selected & representative ) I submitted identity-theft documentation ( FTC report XXXX XXXX ) and supporting ID/proof of address. Items deleted in XXXX for identity theft were later reinserted on one or more bureaus without furnisher certification or the required written 5-day notice. 
Reinserted accounts show cross-bureau inconsistencies ( status strings, balances, high credit, last reported dates ) and in some instances appear only on one bureau. This raises mixed-file and reinsertion compliance issues.

I requested MOV during reinvestigation ; the CRAs closed disputes or marked items verified without producing the required verification materials.

5 ) Representative accounts / reinsertion examples ( summary ) ( Full account details, partial account numbers, and two-year payment history are available as attachments. ) XXXXXXXX XXXX XXXX Reinserted after XXXX deletion. 

TU : Last reported XX/XX/XXXX Late 120 Days ; Balance {$2700.00} XXXX : Last reported XX/XX/XXXX Late 120 Days ; Balance {$2700.00} XXXX : Not reporting Reinsertion without 5-day notice ; provide certified furnisher proof or delete. 

XXXX XXXX ( multiple ) Reappeared after XXXX deletion with mixed statuses. Provide MOV or delete. 

XXXX XXXX reports charge-off XX/XX/XXXX with balance {$3900.00} ; TU/XXXX  not reporting XXXX Provide ledger/charge-off docs or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cross-bureau conflicts ( high credit, past-due amounts, payment status ). MOV required ; delete if unverifiable. 

( Complete per-account MOV checklist is attached/requested. ) 6 ) Unauthorized / Improper Hard Inquiries ( MOV requested ) Provide MOV for each hard inquiry permissible-purpose code, user/furnisher name & member code, signed authorization if required, and documentation relied upon to verify the inquiry. Delete or block any unauthorized inquiries or ID-theft related inquiries if MOV can not be produced. 

Noted inquiries ( TransUnion ) : Creditor Name Type of Business Date of Inquiry Bureau XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  ( Mortgage ) XXXX XXXX XXXXXX/XX/XXXX TransUnion I did not authorize these inquiries, and no permissible purpose has been documented to support them. 

7 ) Late-payment / status defects Metro 2 Code 162 All late-payment markers ( XXXX ) reinserted after identity-theft deletions must be validated with monthly ledgers. Requested : delete unverifiable late markers, correct status strings, and provide MOV for any retained derogatory markers. 

8 ) Specialty files & banking vendors Request MOV and deletion where unverifiable for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. Correct mismatched identifiers and provide documented verification steps. 

9 ) Bankruptcy reporting If any bankruptcy items appear, provide certified court evidence ( case number, chapter, filing/discharge dates ) and furnisher MOV. Reinsertion requires proper furnisher certification.

10 ) Attachments ( to upload with CFPB complaint ) Highlighted credit report pages showing affected tradelines and inquiries ( TU/XXXX  ). 
Copies of prior dispute letters and CRA responses ( if any ). 
FTC Identity Theft Report Ref # : XXXX ( copy ). 
Government ID & proof of address ( copies ). 
Any supporting statements, receipts, or payment documentation.

Company response to consumer: Closed with explanation