Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because TransUnion, Experian, and Equifax have each failed to correct, verify, or delete inaccurate and unverifiable information from my credit reports despite XXXX formal dispute rounds. 
I submitted Round XXXX disputes to each bureau. They either marked the items verified without substantiation or failed to properly respond. I followed up with Round XXXX disputes on XX/XX/year>, citing the FCRA, XXXX XXXX Format, and CDIA Guidelines. To date, I have received no evidence supporting the continued reporting of the disputed accounts. 
XXXX. Inaccurate Personal Information Still Reporting : Incorrect name variations : XXXX XXXX, XXXX XXXX XXXX Outdated addresses : XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA XXXX. Unauthorized Inquiry : XXXX XXXX XX/XX/year> inquiry appears on all three bureaus. I never authorized this pull in writing. 


XXXX. Derogatory and Unverified Accounts ( Still Reporting After Round XXXX ) : XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX {$17000.00} charge-off Acct # XXXX XXXX XXXX XXXX XXXX {$16000.00} charge-off XXXX Card Acct # XXXX XXXX XXXX XXXX XXXX {$5900.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX {$11000.00} collection ( Original Creditor : XXXX XXXX XXXX ) XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} collection ( Original Creditor : XXXX XXXX XXXX  ) XXXX Secure Acct # XXXX XXXX XXXX {$24.00} collection XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Inconsistently reported : Equifax lists derogatory status despite settlement These items were challenged under FCRA 609 ( a ), 611 ( a ), 623 ( a ), and no credit bureau has provided any of the following : Signed contracts Billing statements or account ledgers Chain of title or debt ownership documentation XXXX. Failure to Reinvestigate : Each bureau claimed they conducted a reinvestigation but failed to meet basic verification standards under the FCRA and XXXX XXXX format. This appears to constitute sham investigations, as previously sanctioned by the CFPB in enforcement actions against these same companies. 


My updated Complaint as of XX/XX/XXXX XXXX am filing this complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor failure to conduct reasonable investigations and continued reporting of inaccurate and unverifiable information, despite a prior dispute. 
Each bureau was formally notified of the disputed accounts in Round XXXX disputes submitted over XXXX days ago. Yet they failed to delete or correct the disputed accounts, and in many cases verified them without producing documentation, violating 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX ) Status : Charge-Off Reported Balance : {$17000.00} Bureaus Reporting : TransUnion, Experian, Equifax Issue XXXX No documentation was provided. Dispute marked as resolved without validation. Listed with derogatory comments consumer disagrees and charged off as bad debt without verification. 


XXXX. XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX * Status : Charge-Off Balance : {$16000.00} Bureaus Reporting : Experian, Equifax Issue XXXX No proof of account agreement, payment terms, or delinquency history was provided in response to dispute. 


XXXX. XXXXXXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$5900.00} Bureaus Reporting : All XXXX Issue : Remains on file after dispute. No charge-off documentation or contract provided. 


XXXX. XXXX / XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX Status : Collection Balance : {$11000.00} Bureaus Reporting : All XXXX Issue : No lease, proof of debt, or itemized breakdown provided. Reported as verified without validation. 


XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Balance : {$150.00} Bureaus Reporting : Experian, Equifax Issue : No contract or billing history was furnished. Improper verification by Experian. 


XXXX. XXXX XXXXXXXX XXXX ( Account # : XXXX ) XXXX XXXX Status : Collection Balance : {$24.00} Bureaus Reporting : Equifax Issue : No documentation was supplied. Account remains listed with derogatory status. 


XXXX. XXXX XXXX XXXX ( Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Status : Paid Derogatory / Settled for Less Bureaus Reporting : Equifax Issue : Incomplete settlement data and conflicting status. No written settlement agreement provided. 


XXXX. XXXX Multiple Closed Accounts ( e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Status : Closed Bureaus Reporting : TransUnion, Experian, Equifax Issue : Conflicting reporting across all XXXX bureaus. Status codes and account balances do not match. No verification provided during dispute. 



Legal Violations : 15 U.S.C. 1681i Failure to conduct reasonable reinvestigation within XXXX  days 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher failed to conduct a reinvestigation after being notified by the CRA XXXX XXXX XXXX CDIA Guidelines Improper charge-off notation, inaccurate status codes, and failure to suppress inaccurate dispute language Consumer harm : These inaccurate and derogatory accounts are affecting my ability to obtain financing, housing, and competitive insurance rates.

Company response to consumer: Closed with explanation