Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complaint Title : CREDIT BUREAUS FAILED TO BLOCK FRAUDULENT ACCOUNTS, PROVIDED CONFLICTING DATA, AND REINSERTED BANKRUPTCY WITHOUT NOTICE VIOLATIONS OF THE FCRA Who Youre Complaining About : Equifax XXXX XXXX What Happened : This complaint concerns ongoing violations of the Fair Credit Reporting Act ( FCRA ) and improper conduct by all three nationwide credit reporting agencies. 

Despite submitting : An FTC Identity Theft Report ( Ref # : XXXX ) A valid police report Ongoing written disputes and documentation, The CRAs have failed to comply with the following obligations : They continue reporting fraudulent and unauthorized tradelines, many of which include inconsistent data across the three bureaus. 

They failed to conduct proper reinvestigations and denied requests for the legally required Method of Verification ( MOV ) under 611 ( a ) ( 7 ).

They failed to block identity theft-related accounts under 605B. 

They reinserted previously removed bankruptcy information without proper certification or notificationa clear violation of 611 ( a ) ( 5 ) ( B ). 

They failed to correct or remove inaccurate and unverified information despite repeated consumer disputes. 

They reported multiple unauthorized inquiries that lack permissible purpose. 

Examples of Reporting Inconsistencies & Identity Theft Red Flags : Account Name Issue Notes XXXX Conflicting open dates, last activity, high credit, and missing payment info Suggests data mismatch or fraud XXXX XXXX Account number inconsistencies, payment dates don't align logically Example : payment shown in XXXX on two bureaus, but XXXX on another XXXX Reported only by XXXX Charged off with no record elsewhere XXXXXXXX XXXX Appears only on XXXX Not verified with other CRAs XXXX Appears only on Equifax Charged off for over XXXX XXXX no presence on other bureaus XXXX Closed account reported only by Equifax No record with other CRAs Bankruptcy Discrepancy : A previously removed bankruptcy was reinserted without notice, violating FCRA 611 ( a ) ( 5 ). No documentation was provided to support its reappearance. The consumer obtained a letter from the bankruptcy clerk confirming the item should not be reported. 

Unauthorized Inquiries : There are multiple hard inquiries made on the same date ( e.g., XX/XX/XXXX ) by different dealerships ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXeported across different CRAsindicating possible duplicate reporting or fraud. Additionally, inquiries from XXXX and XXXX appear only on XXXX without any consumer authorization. 

Under FCRA 1681b ( c ), these hard inquiries require permissible purpose and consumer consent. None was provided.

Confirmed Identity Compromise : Personal information was exposed in multiple national breaches, including : Equifax ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Verified dark web alerts indicate compromised personal data. 

Multiple unauthorized change-of-address alerts occurred in early XXXX. 

Violations of Law : FCRA 605B Failure to block identity theft-related items FCRA 611 Failure to conduct lawful reinvestigations FCRA 611 ( a ) ( 7 ) Refusal to provide MOV FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of deleted data without notice FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 1681b ( c ) Unauthorized hard inquiries Possible violations of state deceptive trade practices laws

Company response to consumer: Closed with explanation