Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by credit bureaus and furnishers in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other consumer protection laws. These violations include the continued reporting of inaccurate and unverifiable information, failure to conduct reasonable reinvestigations, and improper handling of identity theft claims. 

The specific accounts in question are : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} Status : Charge-Off Issue : No original contract, billing statements, or IRS Form XXXX has been provided to support this charge-off. Reporting this account as collectible without verifying its legal status constitutes a violation of FCRA 611 ( a ) and may also misrepresent the financial record per IRS Publication 4681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Status : Collection Issue : No documentation has been provided to confirm the validity or origin of this collection. There is no proof of assignment, consumer authorization, or a signed agreement. If the account can not be verified through original records, it must be deleted under FCRA 1681i and FDCPA 809 ( a ). 

Account Name : XXXX XXXXXXXX XXXX Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Date Opened : XX/XX/XXXX Amount : {$560.00} Status : Collection Account Name : XXXX XXXX XXXX Partial Account Numbers : XXXX, XXXX XXXX XXXX XXXX XXXX Issue : These are student loan accounts that are inaccurately reporting late payments. I dispute the validity of these late payment entries, as they are not supported by any billing statements or proper notice of delinquency. Under FCRA 1681i, any information that can not be fully verified must be corrected or removed. Additionally, reporting inconsistent or outdated data across credit reporting agencies violates Metro 2 guidelines and the duty to report with maximum possible accuracy under FCRA 1681e ( b ). I am formally requesting that these late payments be thoroughly investigated and removed if not fully verifiable. 



I have previously notified both the credit reporting agencies and the furnishers regarding these inaccuracies, yet no corrective action has been taken. Under 15 U.S.C. 1681i, credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information and delete unverifiable data within 30 days. Furthermore, under 15 U.S.C. 1681b, a credit inquiry must have a permissible purpose, and I demand written proof that I authorized the reported inquiries.

Additionally, as a victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of fraudulent activity on my file. Under 15 U.S.C. 1681c-2, credit bureaus are required to block fraudulent information from a victims report within four business days of receiving proper notice. Despite my formal disputes, these bureaus have failed to comply, exacerbating the financial harm I have suffered. 

This ongoing misconduct is consistent with the CFPBs current lawsuit against the credit bureaus, which highlights widespread FCRA violations and deceptive practices in consumer reporting. Their noncompliance continues to result in financial hardship, including credit denials and employment barriers, and demonstrates a willful disregard for federal consumer protectionlaws.

Company response to consumer: Closed with non-monetary relief