Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
To Whom It XXXX Concern, I, XXXX XXXX XXXX, submit this formal complaint to the Consumer Financial Protection Bureau requesting a full investigation into XXXX XXXX  and Equifax ( the nationwide credit reporting agencies ) for false and inaccurate credit reporting, failure to properly investigate disputed accounts, and unlawful practices relating to the collection, storage, and sale of unverifiable consumer data. Allegations Against Credit Reporting Agencies ( CRAs ) All three CRAs continue to report accounts that are fraudulent, inconsistent, or unverifiable, despite my repeated disputes. They have failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( FCRA ). They have continued to collect, store, and sell inaccurate information for financial gain in violation of their duty to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Their ongoing dissemination of these inaccurate tradelines constitutes unsafe and unfair practices and has caused me financial harm, reputational damage, and emotional distress. Fraudulent Accounts and Furnisher XXXX XXXX XXXX ( Mortgage Account ) Reported mortgage loan shows no consideration and is supported only by inconsistent and unreliable documentation. The lack of lawful proof of funding and inconsistent records suggests fraudulent reporting. XXXX XXXX XXXX ( XXXX XXXX ) Furnisher reported an auto loan and repossession despite having no consideration to support the alleged debt. Documents provided include signs of forgery of a government document. XXXX XXXX XXXX XXXX Now XXXX XXXX ( Vehicle Purchase ) These entities reported and acted on documents containing a forged Power of Attorney and forged government records tied to the purchase and repossession of my vehicle. This constitutes security fraud, forgery, and unlawful repossession practices. Ongoing Harm All three CRAs continue to report these fraudulent accounts, despite my formal disputes and evidence submitted. They have also failed to remove unauthorized inquiries, inaccurate addresses, and phone numbers connected to my credit profile. The reporting of this information has denied me fair access to credit and has disrupted my personal and financial life. Legal Basis Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 1681i Failure to reinvestigate disputed information. 1681e ( b ) Failure to maintain maximum possible accuracy. 1681s-2 Furnishers providing information known to be inaccurate. Unfair and deceptive practices in violation of federal consumer protection standards. Evidence of forgery, lack of consideration, and fraudulent documents XXXX also implicate federal statutes on fraud and identity theft ( 18 U.S.C. 1028, 1028A ). Requested Action I respectfully request the CFPB to : Open a formal investigation into XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Compel the CRAs to provide documentation of their reinvestigation processes and verification sources for the disputed accounts. Compel the furnishers to produce original, signed contracts, promissory notes, proof of consideration, and lawful authority for repossession. Order immediate correction or deletion of fraudulent and unverifiable tradelines, unauthorized inquiries, and inaccurate addresses/phone numbers from all three credit reports. Refer fraudulent documents ( forged Power of Attorney, forged government records, inconsistent loan files ) to the appropriate federal and state law enforcement agencies for investigation. Impose penalties and remediation where the CRAs and furnishers have knowingly failed to comply with their obligations under the law.

Company response to consumer: Closed with explanation