Consumer complaint received 2025-12-27 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint to request regulatory review and intervention regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) in the context of a confirmed data breach involving my personal information. 

Confirmed Data Breach I have received official confirmation from the * * Equifax Data Breach Settlement Administrator * * that my personal information was impacted by the Equifax breach. This confirmation establishes a * * heightened identity-theft and file-contamination risk * *, requiring enhanced investigation standards by consumer reporting agencies and furnishers. 

Despite this confirmed breach, inaccurate, misleading, and internally inconsistent information continues to be reported and, in some instances, reinserted into my credit file without strict compliance with FCRA requirements. 

Parties Involved Experian Information Solutions , Inc. ( Consumer Reporting Agency ) XXXX XXXX XXXX ( XXXX ), XXXX. ( Furnisher ) XXXX XXXX XXXX ( Furnisher ) Summary of the Issue Following a XXXX  XXXX bankruptcy discharge and subsequent formal disputes, my credit file reflects : Duplicate and misleading public record reporting Post-discharge adverse account classifications Internally inconsistent charge-off balances Continued reporting of disputed information despite documented identity compromise Certain items were deleted or corrected and later * * reinserted or maintained without compliance with reinsertion safeguards * *, despite the elevated identity-risk status created by the Equifax breach. 

Specific FCRA Concerns The conduct at issue includes : 1. Failure to conduct reasonable reinvestigations under 15 U.S.C. 1681i, including reliance on automated or summary verification methods despite confirmed breach exposure.

2. Failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), particularly where tradelines contain conflicting balances and statuses.

3. Failure to comply with reinsertion safeguards under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), including lack of timely written notice and failure to disclose furnisher certification following deletions or corrections.

4. Continued furnishing of disputed information without adequate investigation by furnishers in violation of 15 U.S.C. 1681s-2.

Harm As a result of these failures, I have experienced : Suppression of my credit score Increased fraud-risk indicators on my consumer file Interference with access to credit and housing Ongoing financial and reputational harm Requested Relief I respectfully request that the CFPB : 1. Require Experian and the identified furnishers to conduct enhanced, documented reinvestigations consistent with breach-related identity risk 2. Compel deletion of any tradelines or public record entries that can not be conclusively verified with original documentation 3. Review this matter for systemic compliance failures, particularly in breach-affected consumer files 4. Require written confirmation of all corrective actions taken I am prepared to provide supporting documentation, including : Equifax breach eligibility confirmation Credit report snapshots Dispute correspondence Evidence of deletions and reinsertion activity Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation