Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because Equifax, Experian, and TransUnion have all failed to conduct a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) after receiving my formal disputes and supporting identification. Each bureau continues to report inaccurate, unverifiable, or incomplete data that violates federal law and the Metro2 data reporting standards. 

XXXX. Unverified Account XXXX ( Account Ending XXXX ) The credit bureaus continue to report a XXXX  account ending in XXXX, identified as an installment sales contract originally opened XX/XX/XXXX, closed XX/XX/XXXX, with a balance of {$150.00}, a past due amount of {$160.00}, and a high balance of {$200.00}. The tradeline also lists charged off as bad debt and profit and loss write-off. 

This reporting violates Metro2 coding and FCRA standards in several ways : A charged-off account can not simultaneously report a past due balance. Under Metro2 Field 17B, once charged off, the account must show a XXXX past-due balance. 

The date of last payment ( XX/XX/XXXX ) conflicts with the date of last activity ( XX/XX/XXXX ), violating FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inconsistent and false information. 

Despite my prior disputes, none of the bureaus or the furnisher provided original validation documents, such as a signed credit agreement or ownership proof, in violation of FCRA 611 ( a ) ( 5 ) ( A ).

This account is unverified, inaccurate, and non-compliant with Metro2 standards. Its continued presence damages my creditworthiness and must be permanently deleted for failure to meet verification and accuracy requirements under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. Unauthorized Inquiries All three bureaus continue to report unauthorized hard inquiries that occurred on XX/XX/XXXX, from the following entities : XXXX XXXX XXXX  XXXX ( XXXX ), XXXX, XXXX XXXX ( XXXX  ), XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
TransUnion also reports additional unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I never gave written consent, signed a credit application, or authorized these companies to access my consumer report. Reporting or retaining these inquiries without a permissible purpose violates FCRA 604 ( a ) ( 2 ) and 604 ( f ). No documentation of authorization was provided after dispute requests under 609 ( a ) ( 1 ). 

XXXX. Inaccurate Personal Identifiers Each bureau continues to report incorrect and outdated identifiers, including old addresses and employers that were never associated with me : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX TX XXXX. 

Incorrect Employers : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

These violations of FCRA 607 ( b ) and 611 ( a ) present a risk of mixed-file contamination. My only verified and current address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 

Summary of Violations Failure to reinvestigate under 611 ( a ).

Inaccurate data in violation of 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

Unauthorized inquiries under 604 ( a ) ( 2 ) and 604 ( f ).

Failure to delete unverifiable information after reinvestigation under 611 ( a ) ( 5 ) ( A ).

Misrepresentation of account and personal data inconsistent with Metro2 compliance. 

Requested Action I am requesting that the CFPB investigate Equifax, Experian, and TransUnion for : Immediate and permanent deletion of the XXXX account ending in XXXX. 

Removal of all unauthorized inquiries listed above. 

Deletion of all outdated personal identifiers not tied to my verified residence. 

Written confirmation that my credit file has been corrected and brought into full FCRA and Metro2 compliance. 

These inaccurate and unverifiable entries have caused ongoing credit denials, emotional distress, and financial harm. The bureaus actions demonstrate willful disregard for my consumer rights and federal obligations.

Company response to consumer: Closed with non-monetary relief