Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and multiple furnishers continue to report inaccurate, contradictory, and unverifiable information on my consumer reports. I have disputed these accounts several times, yet the bureaus have failed to conduct a lawful reinvestigation, failed to provide any method of verification, and continue to publish information that is incomplete, inconsistent, and legally defective. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has caused ongoing harm to my creditworthiness, housing opportunities, financing terms, and overall financial stability.

Accounts Being Reported Inaccurately The following accounts are being reported with internal contradictions, missing XXXX fields, conflicting dates, and inconsistent statuses across all three credit bureaus. None of these furnishers have provided a single verified document, contract, payment ledger, or chain-of-custody data to support the reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts show different open dates, different last-activity dates, different payment patterns, inconsistent balances, conflicting statuses ( open, closed, charged-off ), and missing required fields. Some bureaus show late payments on dates when the account was not even open, which is impossible. Some accounts are coded as charge-off yet show a {$0.00} balance, which is inaccurate reporting. Other accounts are missing the original creditor, the date of first delinquency, the date of last payment, and other legally required data fields.

In several of my bureau disclosures, the reporting contains impossible timelines, such as delinquency dates occurring after the account was closed, balances that do not match across bureaus, dates that do not align with account history, and status codes that contradict one another. This clearly violates FCRA 607 ( b ), which requires maximum possible accuracy.

I have disputes on record with each bureau, yet none of them produced any source documentation. They simply verified the accounts without providing the method of verification required under 611 ( a ) ( 6 ) ( B ) ( iii ). This means they either failed to contact the furnisher, relied on automated matching, or used unverifiable third-party databases instead of original records.

Collections With Contradictory and Fraudulent Reporting The following collection agencies appear on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These collections contain different open dates between bureaus, different last activity dates, contradictory statuses, and missing required XXXX XXXX fields. Experian, Equifax, and XXXX  all report different versions of the same account. There is no original creditor listed, no validation, no payment history, no proof of ownership, and no chain of title. 

Some bureaus report the collections as open, while others report them as closed/charge-off. The dates of last activity are chronologically impossible and do not match any known payment or delinquency timeline. This makes the accounts unverifiable under 611 ( a ) ( 1 ) ( A ) and they must be deleted under 611 ( a ) ( 5 ) ( A ).

Unauthorized, Fraudulent, and Unverified Hard Inquiries My report contains a large number of inquiries that I did not authorize, did not initiate, and did not consent to. These include but are not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681b, these companies must have a permissible purpose. I never applied for credit with them, never gave consent, and never initiated a business relationship. The bureaus have failed to supply any documentationno signed application, no authorization form, no inquiry purpose, no permissible-purpose record. 

Because my personal information has been compromised, these inquiries pose a substantial identity theft risk. Their continued reporting is unlawful and harmful. 

Direct Harm Caused by These Inaccuracies These reporting errors have led to : denial of credit inability to obtain stable housing inflated interest rates reputational harm ongoing financial hardship increased risk of identity theft Despite multiple disputes, the bureaus have refused to correct or delete the inaccurate information.

Company response to consumer: Closed with non-monetary relief