Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate credit reporting, unauthorized inquiries, and the failure of credit reporting agencies to resolve my disputes despite multiple attempts over several years. I am a victim of identity theft and was impacted by the Equifax data breach. Despite providing evidence and repeatedly disputing these inaccuracies, no meaningful resolution has been provided, and my credit reports remain tarnished with false information. 

I demand immediate deletion of all accounts with inaccurate reporting. I no longer wish to engage in any business relationships with companies that participate in these deceptive practices. The lack of accountability and the persistence of these errors has caused severe harm to my creditworthiness, financial stability, and emotional well-being. Complaint Summary : Inaccurate Accounts with Inaccuracies and Conflicting Information : XXXX XXXX  AccounXXXX XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Conflicting dates : Opened XX/XX/XXXX, Reported XX/XX/XXXX, Closed XX/XX/XXXX. 

Marked both Closed and Current this is contradictory. 

Status listed as XXXX XXXX and XXXX XXXX XXXX not consistent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Paid but also showing as Current contradictory.

No consistent date for reporting. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Status shows Open and Current despite account showing {$0.00} balance and activity stopped in XXXX. 

Reported date : XX/XX/XXXX makes no sense for a XXXX account. 

XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute marked as resolved, yet still showing payment inconsistencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Marked both Closed and Current after being paid illogical. 

Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Date last active XX/XX/XXXX, but reported as recently as XX/XX/XXXX impossible. 

Shows {$0.00} balance but still reporting as Current. 

XXXX. XXXX Accounts 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 Reported closed and paid as of XXXX, but Equifax shows Open and last reported in XXXX inconsistent and deceptive. 

Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Massive inconsistencies in balances, dates, and status. Shows charged-off across all bureaus, yet XXXX remarks dispute resolved, while Equifax still shows active dispute in XXXX. 

High balance fluctuates, and charge-off reporting dates do not align ( reported as active before the account even opened ). 

XXXX Account Reported across all bureaus as a collection account, but with different statuses : XXXX XXXX Status is Derogatory/Closed with {$7200.00} balance. 

XXXX  : Listed as seriously past due with Account assigned to attorney no legal validation or proof provided. 

Equifax : Reporting Late 120 days, status Open collection accounts can not be both open and late. 

Reported amounts and dates opened all conflict dates range from XX/XX/XXXX to XX/XX/XXXX for the same account. 
Demand : Delete this account immediately from all credit reports. There is no room for correction here due to the conflicting and inaccurate data reported across all bureaus. 

Unauthorized Inquiries Without Permissible Purpose Unauthorized Inquiries on My Credit Report : Examples include XXXX XXXX : XX/XX/XXXXXXXX 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. 

Demand : Immediately delete all unauthorized inquiries from my credit report. These companies have no proof of my consent, and as such, these inquiries must be removed immediately. 

False Addresses Reported Accurate Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

False Addresses : XXXX XXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX, XXXX, GA XXXX. 

Demand : Remove these false addresses from my credit file immediately, leaving only my correct address on record. 

False Employer Listings Employers Listed on My Credit Report : XXXX XXXX XXXX ( Date Updated : XX/XX/XXXX ) XXXXXXXX XXXX ( Date Updated : XX/XX/XXXX ) Demand : Delete these false employers from my credit report immediately, as they have no relation to my employment history. 

Legal Violations : Inaccurate Reporting : The conflicting and inaccurate dates, statuses, and amounts reported by XXXX XXXXXXXX and Equifax are direct violations of the Fair Credit Reporting Act ( FCRA ), which mandates the maintenance of accurate information on consumer credit reports. 

Unauthorized Inquiries : These inquiries were made without my consent and violate the FCRA 's requirement for permissible purposes when accessing a consumers credit report. 

False Address and Employer Listings : These false entries cause confusion, harm my financial standing, and violate my rights under the FCRA. Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : FCRA 607 ( b ) : Obligation of credit reporting agencies to ensure accuracy of information.

FCRA 604 : Prohibition of unauthorized inquiries without a permissible purpose.

Fair Debt Collection Practices Act ( FDCPA ) Violations : FDCPA 807 : Prohibits false or misleading representations regarding the status of debts.

FDCPA 809 : Requires verification of debt, and failing to do so may lead to violations when reporting disputed debts inaccurately. 

Failure to Properly Investigate Disputes ( FCRA ) : FCRA 611 ( a ) : Credit reporting agencies must investigate disputes within 30 days of receiving a notice of dispute and correct or delete any inaccurate information. 

Inaccurate Reporting of Personal Information ( FCRA ) : FCRA 607 ( a ) : Obligation of credit reporting agencies to ensure accuracy and completeness of reported personal information, including addresses, employers, and account statuses.

Failure to Delete Inaccurate Information ( FCRA ) : FCRA 605 : Information must be deleted or corrected if found to be inaccurate after investigation, and not deleted when requested or disputed may lead to violations.

Unlawful Practices by Credit Reporting Agencies : FCRA 616 : Willful noncompliance with FCRA requirements can lead to actual damages or statutory damages for the consumer. 

FCRA 617 : Negligent failure to comply with the FCRA can lead to further liability for the credit reporting agency.

Failure to Meet Consumer Protection Standards : Failure to resolve disputes within 30 days or to act upon a valid dispute is a violation of the consumer protection mandates established under the FCRA and other applicable laws.

Inaccuracy of Credit Report Information Due to Identity Theft ( FCRA ) : FCRA 605A : Requires immediate action by credit reporting agencies to block information related to identity theft upon notification.

Company response to consumer: Closed with non-monetary relief