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: MO

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agenciesEquifax, Experian, and TransUnionfor their ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and 1681b. Despite my prior disputes, these agencies continue to report inaccurate personal information, unverifiable or duplicate derogatory accounts, and excessive unauthorized hard inquiries.

1. Incorrect Personal Information ( FCRA 1681e ( b ) ) The following addresses are repeatedly listed on my credit reports but are factually incorrect. I have never resided at or used these addresses : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( reported in multiple formats ) XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX These entries remain after several dispute attempts, reflecting a clear failure to ensure the maximum possible accuracy of my file.

2. Erroneous Account Reporting ( FCRA 1681s-2, 1681i ) The credit bureaus continue to report the following accounts incorrectly, including false charge-offs, duplications, and future-dated entries XXXX XXXX XXXX XXXXXXXX {$12000.00} charge-off from XX/XX/XXXX XXXX disputed and not validated. 

XXXX XXXX XXXX Charge-off dated XX/XX/XXXX, no debt owed. 

XXXX XXXX XXXX {$13000.00} charge-off dated XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Listed with a future opening date of XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Incorrect collection of {$1500.00} opened XX/XX/XXXX. 

XXXX XXXX XXXX Same account listed twice with {$1200.00} balance opened XX/XX/XXXX, which is both duplicative and misleading. 

XXXX XXXX {$560.00} balance opened XX/XX/XXXX ; not validated. 

XXXX XXXX XXXX Charge-off of {$110.00} from XX/XX/XXXX, unverified. 

XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX bankruptcy has been discharged, but is not being accurately reflected across bureaus.

Despite previous formal disputes, none of the reporting agencies have properly corrected or removed these tradelines in compliance with FCRA 1681i ( a ).

3. Excessive and Unauthorized Inquiries ( FCRA 1681b ) I also dispute the following hard inquiries, which I did not authorize and which suggest unauthorized access to my consumer report : On XX/XX/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 Others without consent and not initiated by me These inquiries negatively affect my credit score and suggest possible identity theft or impermissible pulling of my credit file. 

Relief Requested : I respectfully request that the Consumer Financial Protection Bureau take regulatory action to : Remove all inaccurate addresses listed above from my credit file immediately. 

Investigate and permanently delete or correct all of the disputed accounts and duplications. 

Accurately reflect the discharge status of my XXXX XXXX XXXXankruptcy. 

Remove all unauthorized or excessive hard inquiries from my credit reports. 

Issue written confirmation of corrective actions taken by each bureau.

Penalize any entities that failed to comply with the law as permitted under FCRA 1681n and 1681o.

These inaccuracies have directly harmed my financial credibility, caused emotional distress, and hindered my access to credit and basic services. I trust the CFPB will intervene to enforce the law where the reporting agencies have failed.

Company response to consumer: Closed with non-monetary relief