Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate, unverified, and unlawful credit reporting that appears on my credit reports with Equifax, Experian, and TransUnion. Despite multiple disputes, these consumer reporting agencies and furnishers continue to report derogatory information without producing required proof, in violation of the Fair Credit Reporting Act ( FCRA ).

The following accounts are being reported across one or more bureaus and are inaccurate, unverified, and not supported by proper documentation : 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 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 XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} In addition, XXXX  XXXX accessed my credit report on XX/XX/year> without my authorization, resulting in an impermissible hard inquiry.

Collection Accounts Factual Basis of Complaint I do not recognize, acknowledge, or accept responsibility for the collection accounts listed above. I never entered into a valid contract, agreement, or transaction with these alleged creditors or collection agencies, and no signed agreement, billing statements, itemized charges, payment history, or identity-level documentation has ever been provided to substantiate these debts.

Despite this, these accounts are being reported as valid collections with conflicting dates, missing required Metro 2 data fields, generic remarks such as subject has not satisfied debt, and inconsistent balances across bureaus. Such reporting does not establish ownership, accuracy, or consumer responsibility.

Once I disputed these accounts and raised concerns of potential fraud or misattribution, the credit bureaus and furnishers had a heightened duty under FCRA 1681e ( b ) and 1681i ( a ) to ensure maximum possible accuracy and conduct a meaningful reinvestigation. Instead, they continued reporting these
accounts based solely on automated Metro 2 data, without verifying identity, lawful assignment, or original creditor documentation.

Reporting unverified collection accounts is not a harmless error. These are major derogatory tradelines that materially damage my credit profile. No correction short of full deletion can remedy the harm caused by reporting potentially fraudulent or unproven collection accounts.

Unauthorized XXXX XXXX Inquiry XXXX XXXX accessed my credit report on XX/XX/year> without my authorization. I did not apply for credit, initiate a transaction, or provide written or verbal consent permitting XXXX XXXX to pull my consumer report. 

Under FCRA 1681b, a consumer report may only be accessed for a permissible purpose. Under 1681e ( a ), furnishers and bureaus must maintain reasonable procedures to prevent unauthorized access. XXXX XXXX has not produced any application, transaction record, or identity-level authorization establishing permissible purpose. As such, this inquiry is impermissible and has caused measurable harm by lowering my credit score.

Legal Violations The conduct described above constitutes violations of, but is not limited to : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation FCRA 1681b Impermissible access to my consumer report FCRA 1681e ( a ) Failure to prevent unauthorized inquiries 15 U.S.C. 1692e ( 8 ) Communicating credit information known or that should be known to be false

Company response to consumer: Closed with non-monetary relief