Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted formal dispute letters to TransUnion on XX/XX/year>, addressing several inaccurate and outdated items on my credit report. These disputes were sent via certified mail and included proper documentation. I followed up with a second dispute letter on XX/XX/year>, as no proper investigation was conducted. 

My key disputes include : TransUnion continues to report my name incorrectly. My full legal name is XXXX XXXX XXXX, yet they have not corrected this despite being notified. 
My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, but TransUnion continues to report inaccurate or outdated address information. 
TransUnion is reporting a false employer : XXXX XXXX XXXX, which I have never worked for. 
They are also reporting a false previous address : XXXX XXXX XXXX XXXX, which is not associated with me. 
Additionally, they have failed to remove inaccurate negative accounts that I properly disputed. TransUnion has not provided a valid Method of Verification as required under FCRA 611 ( 15 U.S.C. 1681i ), and they failed to meet the accuracy standards in FCRA 607 ( b ).

These errors are causing serious harm to my creditworthiness and limiting my access to financial services. I am requesting the CFPB hold TransUnion accountable for noncompliance with the FCRA, UDAAP, and FACTA, and to ensure that these inaccurate items are either verified properly or deleted entirely, as required by law. 

XXXX XXXX Account # XXXX Type : Collection Issue : Account is not mine. No signed contract or full verification provided. Violates FCRA 611. 

XXXX. XXXX XXXX Account # XXXX Type : Collection Issue : Balance is inaccurate. Re-aged debt with no updated validation. Reporting errors violate FCRA 607 ( b ). 

XXXX. XXXX XXXX XXXX Account # XXXX Type : Collection Issue : Duplicate account. Already paid. Continued reporting is misleading and deceptive under XXXX. 

XXXX XXXX XXXX XXXX Account XXXX XXXX Type : Charge-Off Issue : Reporting late payments after account closed. Balance and dates are incorrect. 

XXXX. XXXXXXXX XXXX Account # XXXX Type : Revolving Issue : Not my account. Never applied or approved. No contract has been provided. 

XXXX. XXXXXXXX XXXX Account # XXXX Type : Revolving Issue : Identity mismatch. I did not authorize this account. Violates accuracy standards under FCRA 607 ( b ). 

XXXX. XXXX Account # XXXX Type : Installment Issue : Balance and dates are inaccurate. Still reporting after dispute. No MOV provided. 

XXXX. XXXX XXXX XXXX Account # XXXX Type : Collection Issue : Already paid but still reporting as open. FCRA 611 and 607 ( b ) violation. 

XXXX. XXXX XXXX Account # XXXX Type : Collection Issue : Not my debt. No signed contract or original creditor information provided. 

XXXX. XXXX XXXX XXXX Account # XXXX Type : Auto Loan Issue : Closed and settled, but still shows derogatory remarks and incorrect dates. 

XXXX. XXXX Account # XXXX Type : Collection Issue : No verification received. Duplicate of another tradeline. 

XXXX. XXXX XXXX XXXX Account # XXXX Type : Charge-Off Issue : Balance inflated. Account should have been deleted after prior dispute. 

XXXXXXXX XXXX XXXX Account # XXXX Type : Charge-Off Issue : Post-closure lates and re-aging activity reported. 

XXXX. XXXX Account # XXXX Type : Collection Issue : No connection to this debt. No verification documents supplied. 

XXXX. XXXX Account # XXXX Type : XXXX XXXX : Paid account still reporting inaccurately as open and derogatory. 

XXXXXXXX XXXX XXXX  Account # XXXX Type : Collection Issue : Not verified per FCRA. Failed investigation and MOV request.

Company response to consumer: Closed with explanation