Consumer complaint received 2025-10-14 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: TN

Complaint narrative:
I. INTRODUCTION This complaint is submitted to demand immediate regulatory enforcement against the above-named Respondents for systemic, willful, and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and Metro 2 compliance standards. These violations have resulted in the unlawful reporting of fraudulent collection accounts, inaccurate late payment coding, continuous charge-off status after settlement, and refusal to reinvestigate disputes submitted directly by me, the consumer. 
I have submitted a full dispute packet via XXXX Certified Mail, including TILA violation letters, FCRA/IRS charge-off letters, FDCPA cease and desist notices, a notarized Affidavit of Identity Theft, and a Metro 2 audit demand XXXX I am now escalating to the Consumer Financial Protection Bureau due to noncompliance and obstruction. 

XXXX. VIOLATIONS A. Identity Theft Accounts The following collection accounts were fraudulently opened using my personal information without my knowledge or consent : XXXX XXXX XXXX Account Number XXXX Original Creditor : Southeastern Emergency Physici Balance : {$1600.00} XXXX XXXX XXXX Account Number XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$470.00} These accounts violate : FCRA 1681c2 Failure to block identity theft accounts FCRA 1681e ( b ) Failure to assure maximum possible accuracy FDCPA 1692e False representation of debt status FDCPA 1692c ( c ) Failure to cease communication after written notice Despite submitting a sworn Identity Theft Affidavit, the bureaus and furnishers continue to report these accounts. 
B. Inaccurate Late Payment Coding The following accounts were paid or closed, yet continue to show late payments : XXXX XXXX XXXX Account Number XXXX XXXX late payments XXXX XXXX XXXX Account Number XXXX XXXX late payments XXXX XXXX XXXX accounts with XXXX, XXXX, and XXXX late payments post-closure XXXX XXXX XXXX Account Number XXXX XXXX late payments XXXX XXXXl Account Number XXXX XXXX late payments on open account These accounts violate : FCRA 1681e ( b ) Failure to assure maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed information TILA 1666 Failure to correct billing errors within XXXX  days Metro 2 Appendix E Improper coding of closed and settled accounts C. Continuous Charge-Off Reporting The following accounts continue to report monthly charge-off status despite being settled, paid, or written off : XXXX XXXX Account Numbers XXXX, XXXX {$170.00}, {$7300.00}, and {$11000.00} written off XXXX XXXX Account Number XXXX {$650.00} written off XXXX XXXX  Account Number XXXX {$1900.00} written off XXXXXXXX XXXX Account Number XXXX {$120.00} written off These accounts violate : FCRA 1681s2 Furnisher duty to report accurately IRS 1099C compliance Improper handling of discharged debt Metro 2 Appendix E Failure to suppress charge-off coding after final status III. STALL TACTICS AND OBSTRUCTION Credit bureaus have previously refused to process disputes by falsely claiming they were not believed to be submitted by the consumer. This is a known stall tactic used to obstruct reinvestigation. 
I affirm under penalty of perjury that all disputes were authored and submitted directly by me. Any refusal to process based on authorship violates : FCRA 1681i ( a ) ( 3 ) Disputes may only be deemed frivolous with documented justification FCRA 1681n Willful noncompliance carries statutory and punitive damages Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3rd Cir. 2010 ) Agencies must follow reasonable procedures XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to investigate is unlawful XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinvestigation must be substantive XXXX XXXX Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Automated dismissals are violations I demand that the CFPB investigate these stall tactics as a pattern of obstruction and noncompliance. 

IV. LEGAL BASIS FCRA 1681e ( b ), 1681i, 1681c2, 1681s2, 1681n, 1681o FDCPA 1692e, 1692c ( c ) TILA 1637, 1666 IRS 1099C discharge reporting obligations Metro 2 Appendix E CDIA guidelines for accurate credit reporting Case Law : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) V. RELIEF REQUESTED I demand that the Consumer Financial Protection Bureau : XXXX. Order the immediate deletion of all identity theft accounts listed above XXXX. Order the permanent blocking of all fraudulent collection tradelines XXXX. Order the correction of all late payment coding and charge-off status XXXX. Impose civil monetary penalties against the bureaus and furnishers for willful violations XXXX. Refer this matter to the Federal Trade Commission and State Attorneys General for enforcement XXXX. Preserve my right to pursue private civil litigation under FCRA 1681n and 1681o and FDCPA 813 XXXX. Investigate the use of stall tactics and obstruction by TransUnion, Experian, and Equifax XXXX. Require written confirmation of all corrections and deletions within XXXX  days VI. CLOSING STATEMENT I have exhausted all dispute channels and submitted a notarized Identity Theft Affidavit. I am now invoking my rights under federal law and demanding full regulatory enforcement. The conduct of these bureaus and furnishers demonstrates systemic disregard for consumer protection statutes and must be addressed immediately.

Company response to consumer: Closed with explanation