Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failure to conduct reasonable reinvestigations, continued reporting of inaccurate and unverifiable information, and violations of the Fair Credit Reporting Act ( FCRA ) after I submitted written disputes by mail with clear requests for validation. 

Despite being notified and provided sufficient time, the credit reporting agencies continue to report disputed accounts and incorrect personal information that can not be verified, causing significant financial harm. 

On XX/XX/year>, I mailed formal written disputes to Equifax, Experian, and TransUnion regarding multiple inaccurate accounts, incorrect personal information, and unauthorized inquiries appearing on my credit reports. 
Each dispute was sent to the correct dispute address and included my identifying information. 
Mail tracking confirms delivery and processing. 

In my disputes, I requested that the credit bureaus : Conduct a lawful reinvestigation under 15 U.S.C. 1681i Verify the accuracy of the accounts through competent evidence, not automated verification Remove accounts that could not be validated Correct inaccurate personal identifying information Remove inquiries not authorized by me Instead of correcting or deleting the disputed information, the bureaus continue to report the same inaccurate data, indicating they failed to conduct a reasonable reinvestigation and instead relied on automated responses from furnishers. 

Unverified / Inaccurate Accounts The following accounts remain on my credit reports despite no validation being provided after more than XXXX days : Reported Across One or More Bureaus : XXXX XXXXXXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account endinXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX XXXX XXXX XXXX I contacted the creditors and/or agencies directly and no proof of validation was provided. 
The credit bureaus have not provided copies of contracts, applications, or other competent evidence demonstrating accuracy. 

Medical / Collection Account Reporting Violation XXXX XXXX XXXX  XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX This account appears to involve medical or personal information and is being reported in violation of 15 U.S.C. 1681a and 1692g. I dispute the legality and accuracy of this reporting and demanded removal. 

Unauthorized / Misleading Reporting XXXX XXXX XXXX XXXX XXXX I is being reported in a misleading and inaccurate manner, constituting false representation and violating FDCPA 807 and FCRA accuracy standards. 

Unauthorized Credit Inquiries The bureaus continue to report inquiries that : Are not connected to open accounts Were not authorized by me Were not the result of a firm offer of credit These inquiries violate 15 U.S.C. 1681c and should have been removed upon dispute. 

The continued reporting of inaccurate and unverifiable information has : Lowered my credit scores Prevented me from obtaining credit Interfered with my ability to qualify for a mortgage for my family Caused emotional and financial distress The credit bureaus are legally required to ensure maximum possible accuracy, yet they continue to report disputed data without evidence. 

The actions of Equifax, Experian, and TransUnion violate : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681g ( a ) Failure to disclose verification methods FDCPA 807 & 809 False and misleading reporting

Company response to consumer: Closed with explanation