Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
I reviewed my Experian credit report and identified multiple accounts and inquiries that are inaccurate, unverifiable, outdated, or not mine. I formally disputed these items with Experian and provided supporting documentation. However, Experian has failed to correct or remove the information within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Some accounts ( e.g., XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX ) are reporting unknown or inaccurate payment histories that do not reflect my records. Other accounts ( e.g., XXXX XXXX, XXXX XXXX XXXX are not mine and should not appear on my credit report at all. 

Additionally, Experian has failed to remove a repossession notation on a XXXX XXXX account , even though documentation from XXXX XXXX XXXX XXXX car was totaled, not repossessed. 

I also noticed multiple unauthorized inquiries on XX/XX/year>, from XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of which I applied for or consented to. Despite contacting Experian regarding these inquiries, I received no response. 


The continued reporting of these items misrepresents my credit profile, violates my rights under the Fair Credit Reporting Act ( FCRA ), and is causing significant financial and reputational harm. I have already submitted formal disputes and complaints but have not received meaningful action or resolution. 


Here are specific issues : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX are reporting payment histories or derogatory information that are either inaccurate, not mine, or not validated. 
XXXX XXXX is reporting a charge-off that I never authorized or opened. 
XXXX XXXX XXXX shows late payments on a car loan that was paid in full and never late. 
XXXX XXXX XXXX XXXX reporting a repossession, when the car was actually totaled and paid off, as confirmed by an insurance letter I submitted. 
XXXX XXXX reflects a collection account that I never opened or used. 
In addition, there are unauthorized hard inquiries on XX/XX/year>, from : XXXX XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not apply for credit with any of these companies, and Experian has not provided evidence of authorization or removed these inquiries. I contacted Experian by phone and submitted disputes in writing, but they have not responded or provided written results of any investigation. 

Experians failure to address these disputes violates : FCRA 1681i ( a ) ( failure to investigate and delete unverifiable items ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681b ( lack of permissible purpose for inquiries ), and potentially 1681n/o ( willful or negligent noncompliance ). 

This continued misreporting severely harms my credit, misrepresents my financial profile, and blocks my access to essential financial opportunities. I am requesting CFPB assistance in enforcing compliance and having these inaccurate and unauthorized items permanently removed from my credit report.

Company response to consumer: Closed with explanation