Consumer complaint received 2025-09-09 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:
CFPB Complaint Draft Category Selected : Credit reporting Incorrect information on your report Information belongs to someone else / Identity theft Problems with dispute investigations Complaint Summary : I am filing this complaint because all three nationwide credit reporting agencies ( Experian, Equifax, TransUnion ) have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes and providing FTC Identity Theft Report, police case number, and proof of a dark-web data breach affecting my personal information, the CRAs continue to : Report inaccurate, conflicting, and unverifiable information across my TransUnion, Experian, and Equifax credit files, in violation of FCRA 607 ( b ) ( maximum possible accuracy ). 

Reinsert accounts previously deleted without providing the required 5-day written notice or furnisher certification, violating 611 ( a ) ( 5 ) ( B ). 

Fail to block identity-theft accounts even after receipt of proper FTC and police documentation, violating 605B. 

Fail to provide complete Method of Verification ( MOV ) despite repeated requests, violating 609 ( a ) ( 1 ) and 611. 

Report improper and misleading late-payment codes ( 30/60/90/120 ) without consistent or complete payment strings, often contradicting OK history, violating Metro 2 standards.

Maintain unauthorized hard inquiries ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) without documentation of permissible purpose u

nder FCRA 604.

Details & Examples : Cross-Bureau Inconsistencies Accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX  report conflicting open dates, balances, past due amounts, high credit/limit, last payment dates, and comments across TU/EXP/EQ. 

Example : A XXXX account shows different monthly payments, open dates, and past-due amounts across bureaus. These contradictions can not all be true and raise red flags for mixed files or identity theft. 

Improper Reinsertion Items previously deleted were reinserted into my credit file without the required 5-day notice or furnisher certification. This re-exposed fraudulent identity-theft data in violation of 611 ( a ) ( 5 ) ( B ). 

Identity Theft & Data Breach I have already provided an FTC Identity Theft Report and police case number, along with evidence that my personal information is circulating on the dark web. Despite this, fraudulent accounts remain, and reinserted items were not blocked as required by 605B. 

Late-Marker Errors Several tradelines show contradictory late markers ( e.g., 90-day late vs. 60-day late for the same period ; OK payment history inside a charge-off ). This is misleading and violates 607 ( b ) and Metro 2 accuracy standards. 

Unauthorized Inquiries Experian continues to report inquiries from XXXX  XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). Equifax reports an inquiry from XXXX ( XX/XX/XXXX ). 

I never authorized these inquiries, nor was there a permissible purpose. No signed application or documentation has been produced. Under 604, they must be deleted or recoded to soft. 

Harm Caused : Because of these violations, I continue to suffer : Lower credit scores due to unverifiable derogatories and late codes. 

Denied or more expensive credit opportunities. 

Ongoing emotional and financial harm tied to identity theft.

Company response to consumer: Closed with non-monetary relief