Consumer complaint received 2025-05-24 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint due to repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, and TransUnion, which have continued to report inaccurate and damaging information on my credit reports. Despite multiple formal disputes, these agencies have failed to meet their obligations under FCRA 1681e ( b ), 1681i ( a ), and 1681b, resulting in financial injury, denial of credit, and emotional distress. 

Incorrect Personal Information My credit reports falsely list the following addresses, all of which are inaccurate and have never been affiliated with me : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( repeated ) The inclusion of false address information compromises the foundational integrity of my file and creates suspicion of identity confusion or errors in file merging. Under FCRA 1681e ( b ), credit bureaus are required to maintain procedures that ensure maximum possible accuracy. 

Disputed Accounts and Their Issues The following accounts are being inaccurately reported with derogatory notations such as late payments or charge-offs. Each has been previously disputed, with no valid or documented response provided. 

XXXX XXXX XXXX XXXX XXXX Listed with a high balance of {$260000.00} and late payments. I never received billing that confirms these lates, and the account remains unresolved despite dispute. 

XXXX XXXX XXXX Not only is this account misreported with late payments, but it also shows a future open date of XX/XX/XXXX, which proves a lack of internal data validation. Reporting accounts that are not yet opened violates the accuracy provisions of 1681e ( b ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Displays late payments, which I contest as unverified. My disputes were dismissed without presenting any documentary validation, violating 1681i ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Shows late payment history that I was never notified about nor had any substantiating documentation provided when disputed. 

XXXXXXXX XXXX XXXX XXXX Reported with a {$3000.00} high balance and late payments, which I have challenged due to inaccuracies in dates and balance history. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Continues to list late payments even though this account has long been dormant and the creditor has not verified the negative status. 

XXXX XXXX XXXX XXXX Open date is shown as XX/XX/XXXX, which is another example of impossible, future-dated data. This glaring error is a clear breach of Equifaxs duty under 1681e ( b ). 

XXXXXXXX XXXX XXXXXXXX Derogatory remarks remain despite a formal dispute. No monthly billing or past-due confirmation was ever provided in response. 

DEPT OF ED/XXXX  # XXXX This student loan reflects late payments even during forbearance or deferment periods. Reporting lates during protected statuses violates FCRA and may conflict with federal student loan forbearance policies under CARES Act extensions. 

XXXXXXXX XXXX XXXX XXXXXXXX Listed as a charge-off. If this account was ever forgiven or canceled and issued a 1099-C, it should no longer be reported as collectible. Per IRS Publication 4681, once canceled debt is taxed, it can not remain a derogatory item on credit. 

Unauthorized Hard Inquiries The following inquiries were reported without my consent : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries violate FCRA 1681b, which mandates that hard inquiries may only occur with consumer authorization or a firm offer of credit. No such authorization or offer existed in these cases. 

Harm and Emotional Impact Because of these errors, I have been denied auto financing, faced higher interest rates, and lost rental housing opportunities. My creditworthiness is being judged on data that is clearly false, unverifiable, or out of date. Each attempt to resolve these issues directly with the credit bureaus has been met with dismissive, templated responses, failing to initiate any meaningful reinvestigation. 

Requested Resolution I respectfully request the CFPB : Enforce immediate correction or deletion of the inaccurate personal and account data.

Require bureaus to provide documented validation from furnishers before continuing to report any disputed derogatory entry. 

Remove any unauthorized or future-dated inquiries. 

Monitor the reporting compliance of Equifax, Experian, and TransUnion under 1681e, 1681i, and 1681b.

I am prepared to submit all related documentation, dispute letters, and credit reports for reference. Thank you for your attention to this matter and for protecting consumer rights.

Company response to consumer: Closed with non-monetary relief