Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate, inconsistent, and unverifiable information on my credit file despite repeated disputes. The credit reporting agencies failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and instead relied on automated or boilerplate responses while continuing to publish materially false data. 

Multiple accounts listed below are reported with conflicting account numbers, dates, balances, statuses, and payment histories across the three bureaus. These discrepancies alone prove that the information can not meet the FCRAs requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Several accounts are also being reported without any verified contract, signed agreement, itemized billing, proof of service, or proof of lawful assignment, yet they remain on my credit report after dispute. This is a direct violation of 15 U.S.C. 1681i and 1681s-2 ( b ), which require a meaningful and reasonable reinvestigation when a consumer disputes accuracy. 

Specifically : XXXX XXXX ( multiple tradelines ) is reporting the same alleged credit card obligation under different account numbers and inconsistent dates, while simultaneously claiming the account was closed at consumer request and charged off as bad debt. An account can not legally be both. This is materially false reporting and reckless furnishing of data. 

XXXX XXXX XXXX ( XXXX ) is reporting multiple collection accounts allegedly tied to XXXX and XXXX with no signed authorization, no service address, no itemized balance calculation, and no proof of assignment. Simply stating that the account meets FCRA requirements without producing evidence does not satisfy federal law. 

XXXX XXXX XXXX is reporting a collection with conflicting open dates between bureaus, missing payment history, and no documentation showing I authorized or incurred the debt. Reporting a balance without explaining how it was created violates Metro 2 and FCRA accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  are associated with inconsistent reporting and/or unverifiable data that has not been substantiated with competent evidence. 

In addition, my personal identifying information has been compromised in major data breaches, including the Equifax breach and the XXXX XXXX XXXX breach. Any data relied upon by furnishers or credit bureaus without strict verification is unreliable. Continuing to report accounts tied to compromised personal data after notice constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o.

Despite my disputes, the credit bureaus failed to : Obtain or review original signed contracts Verify complete account histories Confirm lawful ownership or assignment Resolve cross-bureau inconsistencies Instead, they continued to publish inaccurate information that is damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief