Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failure to conduct reasonable investigations, failure to provide the required method of verification, and continued reporting of inaccurate and unverified information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX XXXX I sent certified written disputes and requests for the method of verification to Equifax, Experian, and TransUnion regarding multiple inaccurate accounts and incorrect personal information appearing on my credit reports. Proof of mailing is attached. 

Despite my prior disputes and follow-up requests, the credit bureaus continue to report these items without providing a meaningful description of how the information was verified, as required by 15 U.S.C. 1681i ( a ) ( 7 ). 

Violations The credit reporting agencies have failed to comply with the following legal obligations : Failure to provide method of verification Under 15 U.S.C. 1681i ( a ) ( 7 ), I requested a description of the procedures used to verify disputed information, including whether verification was conducted through Automated Consumer Dispute Verification ( ACDV ), written correspondence, or direct contact with the furnisher, and the identity of the party contacted. No such specific information has been provided.

Failure to conduct a reasonable investigation Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. Generic responses or continued reporting without substantiation do not satisfy this requirement. 

Reporting inaccurate and unverified accounts The following accounts continue to be reported inaccurately and without proper validation : XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reported as charged off/sold with no 1099-C issued ) XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax only ) XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( false and misleading reporting ) I have requested validation from the furnishers, and no proof has been provided within the required timeframe. 

Failure to maintain maximum possible accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. These accounts are being reported despite unresolved disputes and lack of verification. 

Reporting incorrect personal information The following addresses are inaccurate and do not belong to me : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX The bureaus have not explained how these addresses were verified. 

The continued reporting of inaccurate and unverified information has caused financial harm, emotional distress, and damage to my creditworthiness. These errors affect my ability to obtain credit, housing, and other financial opportunities.

Company response to consumer: Closed with explanation