Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am filing this complaint due to multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the three major credit bureaus Equifax, Experian, and TransUnion and the data furnishers they continue to report on my consumer credit files. Despite my formal written disputes dated XX/XX/XXXX, all three credit bureaus failed to conduct reasonable investigations, as required under 15 U.S.C. 1681i ( a ), and continue to report inaccurate, unverifiable, and incomplete information in violation of FCRA 1681e ( b ) and 1681s-2 ( b ). 

My reports contain incorrect personal identifying information, inaccurate tradelines, and derogatory collection accounts that have not been properly verified or validated under XXXX XXXX compliance guidelines. The presence of these inaccuracies is materially damaging my credit profile and impeding my ability to secure stable housing and credit. 

XXXX. Inaccurate and Unverified Personal Information Across all three bureaus, my report contains incorrect names, addresses, and date of birth entries that do not match my verified identity : Incorrect names listed : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Incorrect or outdated addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX The only correct and verifiable address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 

Incorrect date of birth listed as XX/XX/XXXX, which does not match the verified record on file. 

The failure to remove or correct these errors after notice constitutes a violation of FCRA 1681e ( b ) failure to assure maximum possible accuracy of consumer file information. 

XXXX. Erroneous and Unsubstantiated Account Reporting All three bureaus continue to report multiple tradelines that are inaccurate, unverifiable, or outdated, and have failed to provide proper verification documentation as required by FCRA 1681i ( a ). 
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as revolving accounts with inconsistent open/closed dates, incorrect balances, and contradictory account in dispute notations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent date opened ( XX/XX/XXXX vs. XX/XX/XXXX ) and differing Paid/Closed statuses. 

XXXX XXXX XXXX XXXX XXXX XXXX  Incorrectly reported with conflicting high credit amounts ( {$0.00} vs. {$240.00} ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inconsistent date opened ( XX/XX/XXXX vs. XX/XX/XXXX ) and unverified closure notation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Discrepancies in credit limit ( {$0.00} vs. {$300.00} ), high credit, and payment dates; reported as open with balance despite dispute resolution. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Conflicting data across bureaus and unverifiable under XXXX XXXX XXXX code consistency. 

None of these furnishers have provided proof of lawful verification, original documentation, or XXXX XXXX field-level accuracy. This constitutes a breach of FCRA 1681s-2 ( b ) ( failure of furnishers to conduct reasonable reinvestigation after notice ). 

XXXX. False and Misleading Collection Accounts Both XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are being reported as charge-offs or derogatory accounts. 
However : No documentation was provided verifying the debt. 

Both items violate FDCPA 807 ( 8 ) for false and misleading representation of account status. 

The reporting contains conflicting balances, payment histories, and last active dates ( e.g., XXXX marked XXXX delinquencies with inconsistent charge-off timelines ). 

These tradelines were disputed with all three bureaus yet remain uncorrected, reflecting systemic disregard for consumer protections under both FCRA and FDCPA. 

XXXX. Unauthorized Inquiries ( Resulting from Equifax XXXX XXXX  ) Unauthorized inquiries appeared on my TransUnion and Experian reports including XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) which I did not initiate. 
These stem from the Equifax XXXX XXXX, where my personally identifiable information was exposed. 
Under FCRA 604 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), it is unlawful to access or furnish a consumer report without a permissible purpose. 
My written requests for deletion of these inquiries have been ignored by the bureaus, despite clear statutory requirements. 

XXXX. Pattern of Negligence and Noncompliance Each bureaus written responses have been generic and non-substantive, failing to address the detailed evidence provided in my mailed disputes. 
Their continued reporting of unverifiable data, despite notice and opportunity to correct, shows a reckless disregard for accuracy standards under FCRA 1681n and 1681o. 

Additionally, by maintaining data inconsistent with the XXXX XXXX Credit Reporting Resource Guide ( XXXX ), they are violating industry-standard XXXX XXXX XXXX, which governs data integrity, timeliness, and completeness. 

Requested Resolution I respectfully request the CFPB to investigate the following : Immediate deletion of all unverified or inaccurate tradelines listed above. 

Correction of personal identifying information to reflect only accurate, verified details. 

Removal of unauthorized inquiries linked to the Equifax breach. 

Written certification from each bureau confirming compliance with FCRA and XXXX XXXX standards. 

Civil penalties and remedial measures against the bureaus and furnishers for reckless reporting practices and failure to investigate in good faith. 

Supporting Evidence Attached are copies of my XXXX dispute letters dated XX/XX/XXXX, addressed individually to Equifax, Experian, and TransUnion. Each contains : Itemized errors by account and personal information. 

Direct references to XXXX XXXX field inconsistencies. 

Explicit invocation of my rights under FCRA and FDCPA. 

Proof of delivery and identity verification. 

Conclusion This ongoing noncompliance has caused measurable harm, including credit denials and emotional distress due to repeated inaccurate reporting despite proper disputes. 
The bureaus have demonstrated systemic disregard for their obligations under FCRA 1681e ( b ) and 1681i ( a ).

I am seeking full enforcement action by the CFPB to compel deletion and ensure future compliance.

Company response to consumer: Closed with non-monetary relief