Consumer complaint received 2025-06-16 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the XXXX major credit reporting agenciesEquifax, Experian, and TransUnionalong with specific furnishers and data providers for their continued failure to report accurate and verifiable information. Despite submitting multiple formal disputes, many of which included supporting documentation, the credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Background Summary : I am a responsible consumer who has been victimized by : False and misleading reporting Failure to investigate disputes within the XXXX timeframe Inaccurate and duplicate inquiries Outdated or unverifiable derogatory information Charge-offs and collections with a balance of {$0.00} still being reported Repeated reporting of accounts that violate the FCRA 's XXXX rule This has resulted in significant harm to my XXXX XXXX, mental distress, and denial of housing, employment, and financing. 
Relevant Laws Violated : FCRA 602, 605, 607, 609, 610, 611, 623 FDCPA 807, 808, 809 FACTA ( 15 U.S. Code 1681g ) Consumer Financial Protection Act ( Title X, XXXX XXXX XXXX Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX o Status : Charge-Off, Balance : {$0.00} o This account has a XXXX balance yet is still marked as a charge-off. This is misleading and damaging. 
o Violates FCRA 607 ( b ), 605 ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

o Violates FCRA 623 ( a ) ( 1 ) ( A ), 611 3. XXXX XXXX XXXX XXXX Acct # XXXX * * o Opened : XX/XX/XXXX o Balance : {$2400.00} Status : Charge-Off o Account not validated after dispute. May not belong to me. 
o Violates FDCPA 809 ( b ), FCRA 611 o Unauthorized & Duplicate Inquiries These inquiries were made without my consent, and I had no financial interaction or application with many of these entities. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Many of these inquiries are duplicates, unauthorized, or made after I had explicitly opted out of prescreened offers. 
Violates FCRA 604 ( a ) ( 3 ), 607 ( a ), FACTA 1681g Address Errors ( Previously Submitted, Still Unresolved ) These addresses do not belong to me, and their continued reporting is harmful and misleading : XXXX XXXX, XXXX, TX XXXX XXXX, XXXX, CA XXXX XXXX Ct, XXXX, GA XXXX XXXX WAY, XXXX, GA XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TX Violates FCRA 609 ( a ) ( 1 ), 611 ( a ), 605 Requested Resolution I respectfully request that the CFPB : 1. Launch a full investigation into the mishandling of my consumer report by Equifax, Experian, and TransUnion.

2. Order immediate deletion or correction of the accounts and inquiries listed above.

3. Enforce compliance with all applicable sections of the FCRA, FDCPA, and FACTA.

4. Fine and penalize repeat violators if necessary under the Consumer Financial Protection Act.

5. Ensure that I receive a corrected credit report reflecting the removal of all inaccuracies. 
Attached Documents : ID and proof of address Credit reports ( highlighted ) Dispute letters and certified mail receipts Screenshots of reporting errors Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief