Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate, incomplete, and unverifiable information on my consumer credit reports, and for failing to conduct reasonable reinvestigations as required under the Fair Credit Reporting Act ( FCRA ). 

I am an Equifax data-breach impacted consumer, which places a heightened duty on consumer reporting agencies to prevent mixed files, unauthorized associations, and identity-related harm. Despite multiple written disputes and supporting documentation, the credit bureaus continue to publish defective information without competent verification. 

1. DISPUTED PERSONAL IDENTIFYING INFORMATION The following personal identifiers are inaccurately and/or inconsistently reported across my credit files and are not verifiably associated with me : Name Variations Reported Incorrectly XXXX XXXX XXXX XXXX XXXX Incorrect or Obsolete Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Any address other than : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect / Inconsistently Reported Date of Birth DOB inconsistencies reported across bureaus despite my correct DOB being XX/XX/XXXXXXXX  These identifiers were never authorized to remain on my file and create a serious risk of mixed files, unauthorized inquiries, and fraudulent reporting. Continued reporting violates 15 U.S.C. 1681e ( b ) and 1681i. 

2. DISPUTED COLLECTION & DEROGATORY ACCOUNTS A. XXXX XXXX Account Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance ( s ) : {$1700.00} {$1900.00} Issues Identified : Conflicting account types ( open account, installment, telecommunications, and collection simultaneously ) Inconsistent dates ( date opened, date last active, date of last payment ) No valid payment history or past-due progression No service agreement, billing statements, or proof of authorization No documented proof of lawful assignment or collection authority Charge-off and collection reporting without verified contractual obligation These accounts are materially misleading, not Metro-2 compliant, and can not be corrected into compliance. Continued reporting violates FCRA 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor Listed XXXX XXXX XXXX Reported Balance : {$500.00} Issues Identified : I do not recognize this account and assert potential fraud or unauthorized activity No contract, billing records, or usage history No chain of custody or lawful assignment from original creditor Third-party collector reporting without verified ownership Inconsistent reporting across bureaus This tradeline lacks verifiable accuracy and must be permanently deleted. 

XXXX XXXX XXXX ( XXXX XXXX ) Credit Card / Charge-Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Issues Identified : Charge-off reported with no payment history XXXX balance reported simultaneously with derogatory status Conflicting dates ( opened, closed, charged-off ) Claims of purchased by another lender with no proof No ownership documentation or lawful authority to report Reporting a charge-off without a verified balance history violates Metro-2 and FCRA accuracy requirements. 

3. DISPUTED UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my authorization and without demonstrated permissible purpose under 15 U.S.C. 1681b : 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 XXXXXX/XX/XXXX No signed application, written consent, or electronic authorization has been produced for any of these inquiries. Continued reporting without proof violates FCRA 1681e ( b ), 1681b, and 1681i.

4. FAILURE TO CONDUCT REASONABLE REINVESTIGATIONS Despite repeated disputes, the credit bureaus have : Failed to resolve contradictory data fields Failed to obtain competent documentary verification Relied solely on furnisher assertions Continued reporting disputed items without correction or deletion This conduct does not shows a reasonable reinvestigation under the FCRA. 

HARM CAUSED These violations have caused : Credit score damage Increased identity theft risk Denial of fair credit opportunities Ongoing financial and emotional harm

Company response to consumer: Closed with non-monetary relief