Consumer complaint received 2025-06-28 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:
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 both federal and Arizona state 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 state laws, constituting further violations.

Violations Committed by the Bureaus : Federal Violations : 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. 

15 U.S.C. 68016809 ( Gramm-Leach-Bliley Act ) : 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. 

XXXX Violations : Noncompliance with industry credit reporting standards. 

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

Arizona State Law Violations ( Substituting Florida Criminal Statutes ) : A.R.S. 13-2008 ( Taking the identity of another person A.R.S. 44-1691 et seq. ( Arizona Consumer Credit Reporting Act ) A.R.S. 44-1522 ( Arizona Consumer Fraud Act ) prohibits deceptive practices in the sale or advertisement of any merchandise, including credit-related services. 

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : Reporting format violations AZ Law : A.R.S. 44-1522, A.R.S. 44-1691 et seq.

DEMAND : Immediate removal and permanent blocking OF ALL LATE PAYMENTS pursuant to 15 U.S.C. 1681c-2 and 1681i ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : Reporting format violations AZ Law : A.R.S. 44-1522, A.R.S. 44-1691 et seq.

DEMAND : Immediate removal and permanent blocking OF ALL LATE PAYMENTS pursuant to 15 U.S.C. 1681c-2 and 1681i ( a ) ( 1 ) ( A ). 
Fraudulent Inquiries to Remove Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested XXXX from the CFPB : Immediate enforcement of removal and blocking of fraudulent/inaccurate accounts.

Immediate deletion of unauthorized hard inquiries.

Full correction of inaccurate personal information ( names, addresses, employers ). 


Updated and corrected credit reports from all three bureaus. 


Enforcement of statutory identity theft protections, including fraud alerts. 


Thorough investigation and sanctions for failure to comply with FCRA/FDCPA. 


Imposition of fines or disciplinary actions for willful legal noncompliance. 


Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report ( identity theft ) Proof of current residence Original dispute letters to the creditors Declaration : I affirm, under penalty of perjury under the laws of the United States and the State of Arizona, that the information provided is accurate to the best of my knowledge. The failure of these agencies to act in accordance with federal and Arizona law has resulted in substantial harm. I respectfully request the CFPBs urgent intervention to enforce consumer protections and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief