Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Formal Complaint & Demand for Deletion of Fraudulent/Erroneous Accounts FCRA & FDCPA Violations To Whom It May Concern, I am submitting this formal dispute and complaint regarding multiple inaccurate, fraudulent, and unverifiable accounts appearing on my credit reports as provided by IdentityIQ ( Report Date : XX/XX/XXXX, Ref # : XXXX ). These accounts are causing severe and unlawful damage to my credit standing and are being reported in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Factual Timeline of Violations XX/XX/XXXX XX/XX/XXXX : Accounts under XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ) were fraudulently opened and reported as derogatory/charged-off despite no authorization or valid contract from me. Both report balances past due ( {$390.00} and {$2500.00} respectively ) and were later flagged as consumer disputed but remain unlawfully reported. 
XX/XX/XXXX XX/XX/XXXX : US Department of Education XXXX XXXX XXXX USDEPTOFED accounts report derogatory collections ( {$980.00} ) with conflicting dates of activity and last payments. At least one account shows a payment date ( XX/XX/XXXX ) that predates the reported open date ( XX/XX/XXXX ), proving inaccuracy. 
XX/XX/XXXX : Inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) were placed without permissible purpose, constituting an impermissible credit pull under FCRA 604. 
Multiple Dates : Creditors continue to report consumer disputes resolved notations ( e.g., XXXX XXXX US Dept of Ed ), which under FCRA 1681i ( a ) ( 5 ) ( A ) must result in deletion if unverifiable. Instead, the bureaus are continuing to publish damaging information. 



Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to maintain maximum possible accuracy ( reporting accounts with inconsistent dates, balances, and statuses ).

1681i : Failure to conduct proper reinvestigations and delete unverifiable information.

1681b ( f ) : Prohibition of obtaining a credit report without permissible purpose ( unauthorized inquiries ).

2. Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 8 ) : Reporting false credit information, including failing to note disputes accurately.

809 ( b ) : Failure to validate debts before reporting them as collections/charge-offs.

Demand for Immediate Action I demand that the CFPB investigate these violations and hold the credit bureaus and furnishers accountable. Specifically, I request : 1. Immediate deletion of all fraudulent and unverifiable accounts, including but not limited to : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX entries reporting derogatory/collection statuses Any account with inconsistent or impossible payment histories. 
2. Removal of impermissible inquiries, including XXXX XXXX XXXX and XXXX XXXX XXXX. 
3. Written confirmation from the credit bureaus and furnishers that the disputed accounts have been deleted in full compliance with FCRA 611 ( a ) ( 5 ) ( A ).

Conclusion The continued reporting of these accounts despite disputes and clear evidence of inaccuracy constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617. If not corrected, I reserve my right to seek civil damages. 

I respectfully request that the CFPB compel the credit reporting agencies and furnishers to remove these fraudulent entries from my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief