Consumer complaint received 2025-08-09 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: MO

Complaint narrative:
Subject : Formal Demand for Deletion of Unverified and Fraudulent Accounts Under FCRA, Metro 2, and UCC To Whom It May Concern : This is a formal dispute of inaccurate, unverified, and fraudulent information appearing on my consumer credit report. I am submitting this complaint via the Consumer Financial Protection Bureau ( CFPB ) because your online dispute portals have returned repeated error messages preventing me from submitting disputes directly. This obstruction of my right to dispute under the Fair Credit Reporting Act ( FCRA ) is unacceptable and will be documented as evidence of willful noncompliance. 

My personal identifying information was compromised in the well-documented XXXX, XXXX, and Equifax data breaches. As a direct result of these breaches, my private data including full name, Social Security number, and other identifying details has been exposed, placing me at heightened risk of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ), once a consumer notifies a consumer reporting agency of information resulting from identity theft, the CRA must XXXX the reporting of such information within XXXX business days of receipt of proof of identity and an identity theft report. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information, delete or correct any item that can not be verified, and provide written results to the consumer within 30 days. Verified in Metro 2 reporting compliance means verifiable through original creditor source documents, not internal database records, hearsay, or third-party vendors. Anything less is noncompliant reporting under CDIAs Metro 2 Format Guidelines.

Additionally, under the Uniform Commercial Code ( UCC 1-308 ), I reserve all rights and remedies in this matter without prejudice, and I do not waive any legal protections afforded to me.

You are hereby : Directed to block and permanently delete the above-referenced accounts as they are the product of identity theft and remain unverified. 
Required to provide me with : The full method of verification used. 
Name, address, and contact information of the furnisher who verified the account. 
Copies of all documentation you relied upon in verification. 
Instructed to cease reporting any account or information that can not be substantiated with original documentation from the creditor.

Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and potential civil action for violations of the FCRA, FACTA, and applicable UCC provisions, with statutory damages of {$1000.00} per willful violation under 15 U.S.C. 1681n and actual damages under 15 U.S.C. 1681o.

Because I can not afford postage at this time, and because your online portals have effectively denied my right to dispute, I am requesting the CFPB forward this dispute electronically to each credit reporting agency. You are required to respond in writing to both me and the CFPB with the results of your reinvestigation.

Company response to consumer: Closed with non-monetary relief