Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because multiple inaccurate and inconsistent items have been reported on my credit reports across Experian, Equifax, and TransUnion. Despite my attempts to have these errors corrected in accordance with the Fair Credit Reporting Act ( FCRA ), the inaccuracies remain and continue to negatively impact my creditworthiness. 

Several accounts are being reported with conflicting balances, duplicate listings, and incorrect dates of last activity. For example, XXXX ( Acct. # XXXX ) is listed twice with a balance of {$380.00} and late payments inaccurately reported for XXXX and XX/XX/XXXX. XXXX ( Acct. # XXXX ) also appears multiple times with inconsistent late payment histories between XX/XX/XXXX and XX/XX/XXXX, even though the balance shows {$0.00}. Other accounts such as XXXX, XXXX XXXX, XXXX, and XXXX XXXX show inconsistent reporting dates and balances across all three bureaus. 

Additionally, numerous collection accounts, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, are being reported with conflicting balances, inaccurate Date of Last Activity, and possible re-aging of debt which may violate FCRA 605 ( c ) and 623 ( a ) ( 5 ) regarding the proper reporting of the Date of First Delinquency.

Per FCRA 607 ( b ), the credit reporting agencies are required to maintain maximum possible accuracy, yet the listed items remain incorrect even after prior disputes. According to FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and have it reinvestigated, but no proper reinvestigation or correction has been provided. Furthermore, FCRA 623 ( b ) and 623 ( a ) ( 2 ) require furnishers to investigate disputed data and correct or update inaccurate information responsibilities that have not been fulfilled in this case. 

I also noticed multiple hard inquiries that I did not authorize, including those from XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others. These inquiries, dated between XX/XX/XXXX and XX/XX/XXXX, appear to have been made without my explicit consent, violating FCRA 604 ( a ) ( 3 ) which limits permissible purposes for accessing a consumers credit file.

Under FCRA 609 ( 15 U.S.C. 1681g ), I am requesting full disclosure of how these items were verified and by whom, including source documentation. The failure to provide verification records upon request constitutes non-compliance with the disclosure provisions of the FCRA. 

I respectfully request that the CFPB investigate these violations and require the credit bureaus and furnishers involved to delete or correct all inaccurate, incomplete, and unverifiable information. I also request that all unauthorized inquiries be removed from my reports immediately. 

These ongoing inaccuracies have caused measurable harm to my credit reputation, ability to obtain fair credit, and have resulted in emotional distress and financial setbacks. I am seeking full compliance with the FCRA, correction of all disputed information, and confirmation of investigation results as required by law.

Company response to consumer: Closed with non-monetary relief