Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against the nationwide credit reporting agenciesExperian, TransUnion, and Equifaxfor their collective and repeated failure to correct, delete, or properly investigate numerous inaccurate, outdated, or otherwise unlawful entries on my credit file. This includes information tied to multiple addresses associated with my file and an alarming number of unverifiable tradelines, duplicate charge-offs, and unauthorized inquiries. 

I currently and previously have resided at the following addresses, all of which appear in my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX The items below continue to appear across one or more bureau files, despite prior written disputes and requests for deletion or verification : XXXX XXXX XXXXXXXX Reported as a charge-off without substantiating balance verification or proof of legal ownership. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status remains unresolved despite prior disputes and lack of documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off status and reporting date discrepancies persist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potential 1099-C reporting violation if forgiven debt continues to be reported negatively. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate ) Same account listed twice as separate charge-offs in violation of FCRA 1681e ( b ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments disputed, yet still uncorrected. 

DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment entries remain despite challenge and lack of verified correction. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continues to appear as a charge-off without any substantiating debt transfer or validation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection reported without notice, verification, or validation under FDCPA guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A third-party collector reporting unverifiable debt, with no response to debt validation requests. 

Additionally, my credit report includes unauthorized or questionable hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries either lack permissible purpose under 15 U.S.C. 1681b or appear future-dated, indicating potential clerical or identity-related error. I did not authorize these inquiries, and no proof has been provided to confirm their legitimacy.

Each of these entries has contributed to credit denials, inflated loan terms, and personal stressconstituting adverse actions under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ). I am demanding immediate regulatory oversight and enforcement from the CFPB to compel full investigations, corrections, and where applicable, legal penalties for continued FCRA violations under 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief