Consumer complaint received 2025-08-28 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: MN

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 
Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.

FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information. 18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.

Metro2/CDIA Violations : Noncompliance with established industry reporting standards.

Florida Criminal Statutes : Violations relating to identity theft and consumer fraud.

FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days.

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX Account Number : XXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat. 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations. 
Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ),
and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations. 
Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), an
d Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX 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 Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 Prohibits furnishing information to a consumer reporting agency if the person knows or should know it is inaccurate. Minn. Stat. 13C.05 Requires furnishers to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Minn. Stat. 13C.06 Provides civil remedies, including actual damages, punitive damages, attorneys fees, and injunctive relief for violations.

Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37, subd. 2 Incorporates federal FDCPA standards ; prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the character, amount, or legal status of a debt. 
Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04 ( prohibiting furnishing information known or should be known to be inaccurate ), Minn. Stat. 13C.05 ( requiring reasonable procedures to ensure maximum possible accuracy ), and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 ( prohibiting false or misleading representations in debt collection ) due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX  XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat. 13C.04, and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04, and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 due to identity theft and lack of verification. 
Incorrect Employer Listing : 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, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04, and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 due to identity theft and lack of verification. 
Incorrect Name Listing : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA 1681c-2, Minnesota Consumer Reporting Act ( MCRA ) Minn. Stat . 13C.04, and Minnesota Collection Agencies Act ( MCA ) Minn. Stat. 332.37 due to identity theft and lack of verification. 

Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Immediate deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from all three bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with explanation