Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am submitting this formal dispute and cease & desist demand for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am a single mother of two children trying to stay financially stable, but these inaccurate and unauthorized credit entries are preventing me from maintaining housing, reliable transportation, and rebuilding my credit. 

1. Bankruptcy Reporting ( Dismissed Case XXXX ) : My credit report shows a bankruptcy that was dismissed in XXXX. I was young when I filed, and after realizing the long-term impact, I requested to withdraw. I made my payments on time and never received a discharge of any debts. Reporting a dismissed bankruptcy is inaccurate and misleading under FCRA 605 ( a ) and violates FCRA 607 ( b ), which requires maximum possible accuracy. Dismissed cases are not valid public records for continued reporting. I am requesting permanent deletion of this dismissed bankruptcy from all credit reports under FCRA 611 ( 15 U.S.C. 1681i ). 

XXXX. XXXX XXXX ( Auto Loan {$11000.00} / Opened XX/XX/XXXX, Closed XX/XX/XXXX ) : This account is inaccurately listed as a voluntary surrender. I purchased a XXXX XXXX in XX/XX/XXXX. The car had serious safety issues it was leaking oil, shaking while driving, and later found to be under an official manufacturer recall. The dealership refused to repair it, forcing me to return the car for safety reasons on XX/XX/XXXX. I did not miss payments or abandon the vehicle. This reporting is misleading and violates FCRA 607 ( b ), which requires accurate and fair reporting by furnishers. 

XXXX. XXXX XXXX Accounts ( {$2500.00} and {$2100.00} Reported XX/XX/XXXX ) : I have never had XXXX service or authorized any XXXX accounts. These are fraudulent accounts tied to identity theft. Under FCRA 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), these accounts must be blocked and deleted once reported as identity theft. Continuing to furnish these accounts also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits companies from reporting information known to be false. 

4. Unauthorized Hard Inquiries ( XXXX XXXX ) : My credit report lists 14 unauthorized inquiries from lenders and dealerships, including XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX. I did not authorize or sign for these inquiries. Under FCRA 604 ( a ) ( 2 ) and 604 ( f ), a consumers credit report may only be accessed with written consent for a permissible purpose. These inquiries must be deleted immediately as they violate my privacy rights. 

5. Small Loan Accounts ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : These accounts contain incorrect payment history and closure details. I consistently made payments and closed these accounts properly. Under FCRA 611 ( a ), I am requesting reinvestigation and removal of all inaccurate late-payment marks and false balances. 

6. Incorrect Personal Information : My credit report lists incorrect address and phone number information. I have only ever had the following correct details : Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Reporting false identifying data violates FCRA 607 ( a ), which requires credit reporting agencies to maintain reasonable procedures to ensure identity accuracy. 

7. Privacy & Data Sharing Violations : My personal information has been shared and accessed by companies without my consent. Under FCRA 604 ( a ) and 609 ( a ), my credit report and personal data can not be furnished or sold without a permissible purpose. This unauthorized data sharing contributed to identity theft, fraudulent accounts, and unauthorized inquiries, which violate my federal privacy rights. 

8. Cease & Desist Demand ( FDCPA 805 ( c ) 15 U.S.C. 1692c ) : I am demanding that all creditors, lenders, and data furnishers immediately cease and desist from contacting me or sharing my personal information until each account can be verified with documentation bearing my signature. Any further communication or reporting without proper validation will be considered harassment and a violation of federal law. 

Legal Basis for Deletion and Action : FCRA 605 ( a ) Prohibits reporting dismissed public records.

FCRA 607 ( a ) - ( b ) Requires maximum accuracy and identity verification.

FCRA 604 ( a ) ( 2 ) & 604 ( f ) Restricts access to reports without consent.

FCRA 605B Mandates deletion of identity theft information.

FCRA 611 ( a ) Consumer right to dispute and reinvestigation.

FDCPA 805 ( c ) Right to stop communication from collectors.

12 U.S.C. 5531 CFPB authority to prevent unfair or deceptive acts. 

These false and unauthorized reports are damaging my credit, privacy, and ability to provide for my children. I am asking the Consumer Financial Protection Bureau ( CFPB ) to enforce immediate compliance with federal law and require the permanent removal of all inaccurate, unverifiable, and fraudulent items from my credit file including the dismissed bankruptcy, unauthorized inquiries, false XXXX accounts, and incorrect personal information. 

I request written confirmation once all inaccurate items are deleted under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation