Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17001989
Complaint Overview
Complaint ID: 17001989
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33617
Date Received: 2025-11-03T12:00:00-05:00
Date Sent to Company: 2025-11-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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/XXXX Violations : Noncompliance with established industry reporting standards. XXXX 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 : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 FDUTPA : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and XXXX law. XXXX 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 FDUTPA : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and XXXX law. XXXX. XXXX XXXX ( ORIGINAL CREDITOR : XXXX 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 FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and XXXX law. XXXX. XXXX ( ORIGINAL CREDITOR : XXXXXXXX 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 FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and XXXX law. XXXX. XXXX XXXX ( ORIGINAL CREDITOR : XXXX 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 FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and XXXX law. XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX & 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 FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate removal of all late payments under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate removal of all late payments under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 FDUTPA : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate removal of all late payments under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 and XXXX Consumer Collection Practices Act ( FCCPA ) 559.72 ( 9 ) 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.
Frequently Asked Questions
What is Complaint #17001989 about?
Complaint #17001989 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-03T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.