Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
Please Don't delete... not a duplicate. this is an escalation as what I'm submitting will be sent to the FTC and AG in 3 days. I'm working on improving my credit to a healthy status and this is being made difficult and simply put there are laws that are being violated. 

I am filing this complaint regarding Experian, Equifax, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX  and other charged off /collection accounts for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

1. Conflicting and Inaccurate Reporting Absolute Resolutions Investments ( ARI ) : Claims ownership of certain accounts without producing a valid chain of assignment, signed agreement, or full accounting. 
XXXX XXXX  : Reports that it has taken possession back of an account that had previously been placed with a collection agency. This is contradictory to ARIs reporting.

Credit Bureau Inconsistency : Some of my disputes resulted in deletion by one bureau, but the same accounts continue to report on the other two bureaus. This inconsistency proves that at least some of the information was unverifiable and should have been deleted universally.

Despite my repeated disputes, the bureaus mar
k these accounts as verified, with no supporting validation.

I disputed inaccurate names, addresses and employment and it still remains on my report.

2. Legal Violations FCRA 1681i ( a ) : Requires deletion of unverifiable information following dispute.

FCRA 1681s-2 ( b ) : Requires furnishers ( including XXXX XXXX  and XXXX ) to investigate and correct inaccurate information. 
Texas Finance Code 392.202 : Requires deletion of disputed information not independently verified. 



XXXX. Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) bureaus must conduct independent investigations, not rely solely on automated furnisher responses. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) continued reporting of unverified debt violates the FCRA. 
XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) failing to delete unverifiable data after dispute constitutes willful noncompliance. 

XXXX. Financial Harm As a result of these violations, I have : Been denied credit and housing opportunities, Paid higher interest rates due to inaccurate credit scoring, Suffered reputational harm and emotional distress, Incurred out-of-pocket costs for disputes, credit monitoring, and legal consultation.

5. Requested Relief I demand that the CFPB require Experian, Equifax, and TransUnion to : 1. Immediately delete all unverifiable and conflicting accounts related to any and all accounts that are collections/charged off accounts 2. Correct inconsistent reporting across all three bureaus. 
3. Provide written confirmation of deletion within 3 days.

4. Compensate me for the damages caused, as allowed under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

6. Notice of Escalation If unresolved : I will file with the FTC in 3 days, and Submit a complaint to the Texas Attorney General in 3 days.

7. Unnecessary Negative Information Hard Inquiries In addition to the inaccurate and unverifiable accounts already described, my credit profile contains unnecessary negative information, including hard credit inquiries that are outdated, not authorized by me, or not linked to any valid extension of credit.

Under FCRA 1681b ( c ), a credit reporting agency may only report inquiries that are made for a permissible purpose.

Inquiries that do not result in an account opening, or that were not authorized, serve no permissible purpose and are therefore harmful and unlawful.

The continued reporting of these inquiries has caused substantial harm to my credit score, creditworthiness, and financial opportunities. 
Case Law Support Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that a credit report can not be obtained without a permissible purpose under the FCRA. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) confirmed that reporting without permissible purpose is an FCRA violation.

Relief Requested I demand that : 1. All unverified or unauthorized hard inquiries be immediately deleted from my credit file.

2. The credit bureaus provide a written explanation of the permissible purpose for each inquiry remaining on my file.

3. Continued reporting of unnecessary or unauthorized inquiries be treated as a willful violation of the FCRA, subject to statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o.

1. Duplicate & Conflicting Reporting o Double recovery and false representation is in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) and Texas Finance Code 392.304.

2. Failure to Properly Validate Debt o Despite my disputes, no original signed contracts, complete chain of title, or proof of ownership have been provided. Continued reporting without validation violates FDCPA 809 ( 15 U.S.C. 1692g ) and Texas Finance Code 392.202.

3. Failure to Reinvestigate / Inaccurate Credit Reporting o Credit bureaus have marked these accounts as verified without demonstrating a reasonable reinvestigation. This violates FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ).

4. Financial & Reputational Harm o Due to these inaccurate reports, I have suffered : Lower credit scores, Higher interest rates, Denial of credit opportunities, Emotional distress.

o This harm is directly attributable to the unlawful reporting practices.

My Demands 1. Immediate Deletion of all inaccurate, unverified, and duplicative accounts from my credit profile.

2. Written Proof of the method of verification, documentation of ownership, and complete chain of assignment for each alleged account.

3. Cessation of Collection & Reporting until full and proper validation is provided. 
XXXX. Compensat

ion for Damages caused by unlawful reporting, including but not limited to financial harm and credit denials. 5. Regulatory Review & Enforcement ( for
FTC/AG/CFPB submissions ) to ensure compliance with FCRA, FDCPA, and Texas law.

Legal Basis FCRA 611, 623 Right to dispute and accurate reporting obligations.

FDCPA 807, 809 Prohibitions on false representation and failure to validate debt.

Texas Finance Code Ch. 392 Prohibits fraudulent, misleading, or unverified debt collection.

Company response to consumer: Closed with non-monetary relief