specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft

What the CFPB Record Shows About specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft

specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft has accumulated 3 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to Desp, and the most recent logged activity is Despite fu, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "identity theft affidavit", and the single most common underlying issue is "Equifax has failed to appropriately delete or suppress the fraudulent accounts listed in my credit file. Instead".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating specifically : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information furnished ; 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation with all submitted documentation ; 15 U.S.C. 1681c ( a ) ( 45 ) : Continued reporting of Department of Education accounts aged over 11 to 13 years ( as shown in the Equifax screenshots ) violates the 710 year federal limits ; 15 U.S.C. 1681c-2 : Failure to block information identified as the result of identity theft despite receiving valid ID theft reports and police documentation ; 15 U.S.C. 1692g and 1692c : Failure to cease collection and communication after being informed of identity theft: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.