Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Complaint : Willful Negligence, Failure to Investigate, and Reporting of False Information Complainant Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Complaint Summary I am filing this formal complaint because the credit reporting agencies and the furnishers listed above have willfully and negligently violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. They are reporting false, inaccurate, unverifiable, and harmful information about me and have failed to properly investigate disputes as required by law. 



Personal Information Being Misreported I am only known legally as XXXX XXXX. The following false and unauthorized names must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names do not belong to me and are clear signs of file contamination/mixed file, which is a violation of FCRA 1681e ( b ) Accuracy Requirements. 

The following wrong and outdated addresses must be permanently deleted as they do NOT belong to me and were never legally authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 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  These false addresses are causing identity confusion and defamation. 



Inaccurate Accounts Reported ( Must Be Deleted Immediately ) The following accounts are inaccurate, incomplete, and were never properly verified in violation of FCRA 1681i ( a ) : XXXX XXXX falsely reporting delinquency/charge-off XXXX XXXX XXXX inaccurate reporting + late payments without proof XXXX XXXX false repossession/charge-off listing XXXX XXXX XXXX XXXX no validation of ownership of alleged debt Merchants Credit Bureau unverifiable collection account XXXX XXXX XXXX  no contract , no validation of debt These accounts must be deleted for failure to provide validation and proper investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1692g ( b ). 



Unauthorized and Fraudulent Hard Inquiries The following inquiries were performed without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681b, no company may access my credit report without written permission. These inquiries are illegal and must be removed immediately. 



Failure to Investigate & Willful Negligence I previously submitted disputes, and the credit bureaus failed to conduct a reasonable investigation within the legally required 30 days, violating : FCRA 1681i ( a ) ( 1 ) Failure to investigate FCRA 1681e ( b ) Failure to ensure maximum accuracy FCRA 1681s-2 ( b ) Failure of furnishers to verify before reporting Damages and Harm Due to this false reporting, I have suffered : Denial of credit Denial of housing Denial of auto financing Higher interest rates Emotional distress and mental anguish Harassment from debt collectors Defamation of character Loss of financial opportunity I am seeking financial compensation allowed under FCRA 1681n and 1681o for willful and negligent violations.

Demand for Action ( Required by Law ) I demand the following actions : Delete ALL inaccurate names and addresses Permanently delete ALL the accounts listed above Remove ALL unauthorized hard inquiries Remove ALL inaccurate late payment reporting Provide full method of verification under FCRA 1681i ( a ) ( 2 ) Provide proof of contracts and admissible validation Cease and desist unlawful reporting Delete unverifiable data under 15 U.S.C. 1681i ( a ) ( 5 ) Notice to Preserve Evidence This is a legal notice to preserve all evidence, including dispute records, reporting history, communication logs, investigation notes, and data furnishing records. Do NOT delete, modify, or destroy any records related to my file. 



Respectfully, XXXX XXXX XXXX Rights XXXX

Company response to consumer: Closed with explanation