Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting entities for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following accounts have been reported inaccurately and have caused serious damage to my credit profile, financial stability, and overall consumer standing : Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of the Complaint Each of the above accounts reflects inaccurate, unverifiable, or incomplete information being furnished to credit bureaus without proper investigation or substantiation. These furnishers have failed to maintain the accuracy, integrity, and completeness of my consumer data as required by FCRA 623 ( a ) ( 1 ) ( A ) and have neglected their duty to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) when disputes were raised. 

I have made multiple attempts to dispute these inaccuracies directly with the credit reporting agencies and furnishers, yet the data continues to appear on my report without correction, verification, or documentation supporting its validity. This continued reporting of false or unverified information constitutes willful and negligent noncompliance under FCRA 616 and 617, subject to civil liability.

Legal and Consumer Impact Due to these violations, I have suffered : Denial of credit opportunities and higher interest rates. 

Unwarranted damage to my credit score and personal reputation. 

Emotional distress caused by repeated reporting of incorrect data. 

The repeated reporting of duplicate or inconsistent entriesparticularly by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which appear to be redundant and conflictingraises severe concerns about data integrity and possible furnisher duplication, in direct violation of FCRA 602 ( A ) and CFPB Regulation V ( 12 CFR Part 1022 ).

Requested Relief I am requesting that the CFPB : Conduct a full investigation into the reporting practices of the above furnishers. 

Compel these entities to provide documented proof of the accuracy and ownership of the alleged accounts.

Order immediate removal or correction of all unverifiable, duplicate, or inaccurate entries from my credit reports. 

Impose appropriate penalties or enforcement actions if these furnishers are found to be in violation of federal consumer protection laws. 

I am submitting this complaint in good faith with the expectation that the CFPB will take immediate and effective action to ensure compliance with federal law and protection of my consumer rights. 

Thank you for your attention to this serious matter. Please contact me promptly regarding any updates or additional information needed to support this complaint.

Company response to consumer: Closed with non-monetary relief