Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am filing this complaint because Equifax Experian and TransUnion are reporting multiple categories of information about me that are inaccurate inconsistent and unverifiable. The inconsistencies in the reports include incorrect personal information unauthorized inquiries and two XXXX XXXX XXXX XXXX  accounts that contain conflicting dates statuses balances and activity fields across all three bureaus. These errors directly violate FCRA 1681e b FCRA 1681i and Metro 2 data field standards.

First my personal information is being reported incorrectly across all bureaus as shown in the personal information tables on pages 3 through 5. This includes wrong addresses such as XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX Georgia both of which are listed but I have never lived at either address. Page 4 explicitly shows these addresses as invalid and undeliverable according to XXXX. My name is also being reported incorrectly as XXXX XXXX and XXXX XXXX XXXX. These errors are significant because my personal identifying information was confirmed compromised in both the Equifax Data Breach and the XXXX XXXX XXXX XXXX as shown on page 2 of the documents. Because of that breach status any unverifiable personal information can not be trusted and must be removed. 

Second there are XXXX XXXX XXXX XXXX XXXX XXXX accounts that are being reported with completely different statuses and dates by each bureau. Pages 6 through 9 clearly show that Equifax and Experian list the accounts as closed and charged off yet TransUnion marks them as open and actively in collection with different Date Last Active dates and different Last Reported dates. These contradictions prove the accounts can not be verified. None of the bureaus have supplied any billing statements a validation notice or any proof that these debts were legally incurred in my name. My personal data was breached which increases the risk that these medical accounts are fraudulent or misreported. Under FCRA 1681i and FCRA 1681s 2 b any inaccurate or unverifiable collection must be deleted.

Third all three files contain unauthorized hard inquiries. These include XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX as listed on pages 10 through 13. I did not apply for credit with these companies and no bureau has provided permissible purpose documentation or any signed application bearing my signature. Under FCRA 604 and 609 a 1 any inquiry lacking proof of authorization is an illegal access to my consumer file and must be deleted immediately. 

These errors are not small mistakes. They affect my creditworthiness the interest rates I am offered and my ability to secure reasonable housing transportation or employment. I have disputed these items repeatedly with all three bureaus and they have returned form style responses without providing any verification. This failure to reinvestigate is a direct violation of FCRA 1681i.

Because the personal information was breached the medical collections can not be verified and the inquiries were unauthorized I am requesting the CFPB to require Equifax Experian and TransUnion to permanently delete all inaccurate personal information all unverifiable medical collection accounts and all unauthorized hard inquiries. My file should contain only accurate complete and verifiable information according to federal law.

Company response to consumer: Closed with explanation