Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I am filing this complaint because my credit report contains multiple derogatory accounts, negative entries, and a significant number of credit inquiries that I do not recognize, authorize, or understand. I have already filed an FTC Identity Theft Report and an official identity-theft affidavit because I strongly believe that many of these items are the result of identity theft, unauthorized activity, or inaccurate reporting. Despite doing everything required of me under federal lawincluding filing disputes, contacting the furnishers, and submitting my identity-theft documentationthe inaccurate items still appear on my credit report, and no company has provided valid supporting documentation proving that these accounts or inquiries are legitimate. 

This complaint includes all of the derogatory accounts, all negative accounts, and all inquiries currently listed on my TransUnion credit report. I am submitting this complaint in good faith and with the expectation that the CFPB will intervene because the companies involved have failed to verify, validate, correct, or remove information that remains unproven. This situation has now escalated to the point where I am concerned for my overall financial safety, credit integrity, and identity security. 

XXXX. Background : Why I Filed This Complaint I initially became aware of the problem when I noticed several negative accounts and inquiries on my TransUnion report that did not align with my financial history or personal activity. I immediately filed disputes through TransUnion and then contacted the furnishers directly to request documentation. I followed every required step, but the disputes were closed without the companies sending me any documentation. In some cases, the investigations were closed almost instantly, and no supporting material was provided even though I asked for verification. 

Because the information still appeared on my credit file and because I began to suspect identity theft, I filed an FTC Identity Theft Report, notified all relevant furnishers, and requested that the accounts be blocked or removed under federal law. Despite doing this, the accounts remain, and no actual proof of ownership or authorization has been provided. 

This is why I am now filing this complaint with the CFPB, listing every single negative itemincluding all derogatory accounts and all inquiriesso that the CFPB can require the furnishers to comply with federal law and verify their reporting with actual documentation, not automated responses. 

XXXX. Derogatory & Negative Accounts Showing on My TransUnion Report A. XXXX XXXX XXXX  ( Derogatory / Charge-Off ) This account is appearing as a derogatory charge-off, but I do not recognize having an account with XXXX XXXX I have never been provided with : A signed application A contract Billing statements Payment history Identification records Evidence showing I opened or used the account I disputed this several times and even filed a previous CFPB complaint. XXXX XXXX did not provide documentation and simply allowed the account to continue reporting. This is why I included XXXX XXXX again in this second CFPB complaint. They have not validated the account and have not complied with my FTC identity-theft filing. 

XXXX XXXX XXXX XXXX  ( Derogatory / Closed With Negative Status ) XXXX XXXX XXXX is reporting a closed installment account with derogatory status. I do not recognize this account, and this furnisher has not provided any documentation. No ledger, statements, or contract were produced, and the company has not provided any evidence in response to my disputes. Without documentation, the reporting can not be considered accurate. 

XXXX XXXX XXXX ( Derogatory / Charge-Off ) XXXX XXXX is reporting a charge-off account. I do not recall opening this loan, nor have I ever seen any contract or documentation linking me to the alleged account. XXXX XXXX did not provide : A contract Loan documents Repossession notices Payment history Supporting records They did not validate the account, yet the derogatory information remains. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX is reporting a collection account with a balance. I have never received any documentation, bills, statements, or validation from XXXX. They have not identified the original creditor clearly, and they have not produced any paperwork after repeated requests. 

XXXX Louisiana Child Support Negative / 90+120-Day Late Reporting My report shows multiple late payments including 90-day and 120-day delinquencies. I requested ledgers and payment breakdowns from the state agency, but they did not provide any records verifying how they calculated the delinquency pattern. Without a ledger, the reporting can not be fully verified. 

XXXX Credit Inquiries I Did Not Authorize or Do Not Recognize The following inquiries appear on my TransUnion report. I do not recognize many of them, and some appear clustered together in a way that suggests unauthorized activity or fraudulent use of my personal information : 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  I did not authorize these, and none of these companies provided a copy of any application, signed consent, or any documentation that would prove I approved these credit pulls. I asked each company directly and also disputed these inquiries with TransUnion. The bureau continues to report them without providing evidence, and the furnishers have not validated them. 

Because I did not initiate these applications and because no documentation has been provided, I am treating these inquiries as unauthorized and potentially connected to identity theft. 

XXXX. Identity Theft : FTC Report Filing & Notification Because the accounts and inquiries do not match my activity, I filed : A full FTC Identity Theft Report An official Identity Theft Affidavit Documentation stating I did not authorize these accounts or inquiries Under federal law ( FCRA 605B / FACTA Identity Theft Rules ), once a consumer submits an identity-theft report : Furnishers must block fraudulent accounts Credit bureaus must stop reporting unverifiable information Furnishers must provide documentation proving the account is legitimate Unauthorized inquiries must be removed None of the companies involved have complied with these requirements.

5. Failure of Furnishers to Provide Documentation or Validation Every furnisher I contacted failed to provide documentation. Not one company has provided : A signed contract Billing statements Payment history Original application Identification records used Validation materials Instead, the disputes were marked as verified with no documentation. This suggests automated verification systems were used rather than human review. 

XXXX. Failure of TransUnion to Conduct a Reasonable Reinvestigation Under FCRA 611, TransUnion is required to conduct a reasonable reinvestigation. 

However : No documents were provided No explanation of verification was given No Method of Verification was supplied No evidence was provided showing how items were verified Disputes were closed immediately without documentation This does not meet federal reinvestigation requirements. 

XXXX. Harm I Experienced The inaccurate accounts and inquiries have caused : Lower credit scores Denied credit applications Higher interest rates Loss of financial opportunities Emotional stress Wasted time attempting to fix the errors Concerns about identity theft and data compromise The harm continues because the items remain on my credit report. 

XXXX. Why I Need CFPB Intervention I have followed every step required by law : Filed disputes Contacted furnishers Filed FTC identity-theft report Filed an identity-theft affidavit Requested documentation Requested removal of unauthorized inquiries None of the companies responded appropriately. None provided documentation. 
Therefore, I am requesting CFPB assistance to ensure : All unauthorized inquiries are removed All unverified accounts are deleted Furnishers provide actual documentation Identity-theft protections are enforced TransUnion complies with reinvestigation laws

Company response to consumer: Closed with non-monetary relief