Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
Dear XXXX XXXX and CFPB Enforcement Team, To whom it may concern, I am writing this formal complaint against all three major credit reporting agencies for systematic violations of the Fair Credit Reporting Act that have devastated my life for over 20 years. I am XXXX XXXX XXXX, born and raised in XXXX XXXX DC - a true Washingtonian who went to school from XXXX Elementary to XXXX to XXXX to XXXX High School. I am tired of this struggle. The illegal credit reporting has trapped me in a cycle of poverty, destroyed my relationships, and robbed me of basic human dignity. 

THE TURNING POINT THAT DESTROYED MY LIFE In XXXX, I was working at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX in XXXX when a XXXX XXXX salesman came by. I was interested in purchasing a powerful driver tool. When I gave XXXX my credit card for the transaction, my credit score was XXXX - excellent credit that made the salesman excited about the sale. 
Then something happened that changed my life forever. The salesman said, " Something must be wrong, I have to run your credit again. '' When I asked why, he said, " Your score is so good but my interest rate was way too low. '' I should have trusted my gut and walked away, but I proceeded with the purchase of the driver for over {$1200.00}. 
The devastating result : My credit score dropped from XXXX to XXXX - a XXXX crash that destroyed my life. What's worse, my consumer credit transaction was illegally converted into a " loan '' without my knowledge or consent. 

20+ YEARS OF SUFFERING AND HARDSHIP Since that day, my life has been a nightmare of financial hardship directly caused by illegal credit reporting : Lost Relationships : I lost my girlfriend because of the financial stress and instability caused by destroyed credit. 
Housing Instability : I couldn't keep a place to stay. I've been denied housing repeatedly and forced to pay excessive deposits when I could find housing at all. I've lost multiple places to live because of credit-based decisions. And still live with someone to this day, where I really don't want to be, especially in someone else 's space. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Employment Difficulties : While I could keep jobs, I couldn't get credit, which limited my housing options and created a cycle of instability. Even when I was working as a XXXX XXXX XXXX XXXX making {$4000.00} a month, I was still denied housing because of the illegal credit reporting. I am currently unemployed, and continue to suffer the consequences of these violations. 
I'll be unemployed soon and bills will exceed my current income by 5 times. 
Predatory Lending Trap : With destroyed credit, predatory lending became my only option, trapping me in high-interest debt that kept me in poverty. 
Repeated Denials : I've been denied credit so many times that I have completely lost faith in what the law stands for. However, because of my faith in the word of God, I studied hard to learn the law - XXXX XXXX XXXX tells us to " study to show thyself approved. '' Growing up in DC, I spent countless hours at the XXXX XXXX XXXX, the XXXX, and attending XXXX concerts- this city shaped who I am. 
Through my studies, I have learned that I have unalienable rights based on my findings in the law and my faith in natural rights as a man given by God in the common law and also in statutes. I seek remedy in equity to right this wrong. The system that's supposed to protect consumers has failed me for decades, but my faith and DC upbringing taught me to fight for justice through knowledge of the law. 
Ongoing Violations : XXXX XXXX is still reporting this as a charge-off more than XXXX XXXX and XXXX XXXX after the account should have been removed, continuing to damage my life illegally. Even worse, they have artificially shortened my credit profile length by keeping this old violation active. This account is actually more than 10+ years old, and my original credit profile goes back to XXXX - but the illegal reporting makes my credit history appear much shorter than it actually is, further damaging my creditworthiness. I've been busy working and dealing with life. Now that I have a moment of clarity, i'd like this matter resolved respectfully.

Company response to consumer: Closed with explanation