Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
This complaint concerns the repeated reporting of inaccurate, unverifiable, and non-compliant information by the XXXX major credit bureaus Experian, Equifax, and TransUnion. Despite multiple certified dispute letters and legal citations, these agencies have failed to correct or delete inaccurate items, constituting a direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Standards. 

The consumer has exhausted all reasonable efforts to resolve the matter directly, but the bureaus continue to report errors, thereby damaging his creditworthiness and violating 15 U.S.C. 1681e ( b ) ( failure to assure maximum accuracy ) and 1681i ( a ) ( failure to properly reinvestigate disputes ). 

XXXX. Summary of Violations A. Inaccurate Personal Information The credit bureaus continue to report multiple incorrect addresses, names, and employment information despite official disputes and proof of the correct data being submitted. 

Old addresses such as XXXX XXXX XXXX, XXXX, MI XXXX and XXXX XXXX XXXX, XXXX, MI XXXX are still appearing, even though they are not valid or deliverable addresses for the consumer. 

The correct current address is XXXX XXXX XXXX, XXXX, SC XXXX, which should be the only XXXX on file. 

The name XXXX XXXX XXXX or XXXX XXXX is incorrectly listed, while the consumers correct legal name is XXXX XXXX. 

Employer information such as XXXX XXXX XXXX and similar variants are also inaccurate and not verifiable. 

The date of birth is inconsistently listed across reports, at times as XXXX or XXXX, which conflicts with the accurate date of XX/XX/XXXX. 

These inconsistencies create a serious mixed-file risk and violate the consumers rights under FCRA 605B and 1681e ( b ). 

B. Disputed and Unverified Accounts The following credit accounts remain on file without verification, despite multiple disputes requesting documentation and original signed contracts : XXXX XXXX XXXX XXXX : Reported as a charge-off with inconsistent balances and payment histories between bureaus. No signed contract or payment records were ever provided to verify its accuracy. 

State of Michigan XXXX of XXXX XXXX : Reported as a family support obligation with derogatory notations, though no legal judgment, court order, or proper validation exists. 

XXXX XXXX XXXX XXXX : Reported as a collection account opened in XXXX, but dates of activity and balances conflict across bureaus. No proof of assignment or original creditor documentation has been provided. 

XXXX XXXX XXXX : Reported with an outstanding balance of over {$29000.00}. Data fields such as Date Last Active and High Credit are inconsistent, suggesting improper reporting or re-aging. 

XXXX XXXX XXXX XXXX : Reported as a {$44000.00} auto loan charge-off. The reporting dates differ across all three bureaus, and no legally binding agreement or signed application has been provided. 

XXXX XXXX XXXX : Reported as a collection account with a {$670.00} balance. The consumer disputes its authenticity and validity. Although it is marked as disputed, it continues to appear on the reports, violating FCRA 1681i ( 5 ).

Each of these accounts remains unverified and violates FCRA 609 ( a ) ( 1 ) ( A ), which requires the bureaus to obtain physical proof of consumer authorization for the accounts they report. 

XXXX. Pattern of Non-Compliance All three bureaus have repeatedly issued template or form responses to these disputes rather than conducting a proper investigation. This practice violates FCRA 1681i ( a ), which requires a reasonable reinvestigation of each consumer dispute. 

Furthermore, reporting patterns show that some accounts were re-aged meaning the Date Last Active was updated without valid consumer activity a violation of XXXX XXXX reporting standards and FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). 

This behavior demonstrates a systemic failure by the credit bureaus and furnishers to ensure accurate, verifiable reporting as required by federal law. 

XXXX. Legal References The following FCRA provisions have been violated : 1681e ( b ) : Failure to maintain maximum possible accuracy. 

1681i ( a ) : Failure to reinvestigate and correct disputed data.

1681i ( 5 ) : Failure to delete unverifiable data.

1681b ( c ) : Unlawful access and inquiries without permissible purpose.

609 ( a ) ( 1 ) ( A ) : Failure to provide proof of consumer authorization for accounts. 

XXXX. Requested Resolution The consumer respectfully requests the following corrective actions : Immediate deletion of all unverifiable and inaccurate accounts from all three credit bureaus. 

Removal of all incorrect personal information, including outdated addresses, duplicate names, and invalid employer data. 

Written confirmation mailed to the consumer showing all corrections and deletions. 

An investigation into the furnishersspecifically XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and State of Michigan XXXX XXXX XXXX XXXXfor noncompliance with FCRA 1681s-2 ( b ). 

XXXX. Supporting Documentation The consumer has attached copies of the following : Certified dispute letters sent to Experian, Equifax, and TransUnion ( dated XX/XX/XXXX ). 

Annotated copies of credit reports showing inaccurate entries. 

Proof of mailing receipts and identity verification documents. 

These materials clearly demonstrate that the disputed accounts were never validated and remain inaccurately reported despite multiple requests for correction. 

XXXX. Consumer Statement I have made multiple written attempts to correct and verify the information on my credit reports. The credit bureaus have failed to conduct proper investigations and continue to report inaccurate, incomplete, and unverifiable information. These errors have caused denials for credit opportunities, increased financial hardship, and emotional distress. I am requesting that the CFPB intervene to ensure compliance with the Fair Credit Reporting Act and order the deletion of all unverifiable data.

Company response to consumer: Closed with non-monetary relief