Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
I am filing this formal complaint against Equifax and TransUnion for grossly mishandling my consumer credit information in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq, and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 et seq. These credit bureaus have reported inaccurate personal information, failed to ensure the accuracy of reported data, and continued reporting of inaccurate derogatory accounts even after formal disputes. I have suffered emotional stress, denials of credit, increased interest rates, and loss of financial opportunities as a result of their failure to comply with federal law Wrong Addresses Reported by Equifax ( Violation of FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX, PA XXXX This is not my residence, never associated XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This is not my residence, never associated Reporting these addresses violates FCRA 1681e ( b ), which requires the maintenance of accurate consumer report information. I have no verifiable relationship with these addresses. These are materially misleading and damaging Inaccurate Accounts on Equifax ( Violations of FCRA 1681i, 1681e ( b ), and FDCPA 807 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$480.00} Late Payment reported. I have never received any written notice, bill, or contractual agreement with this entity. I have no knowledge of this account, and no valid verification has been provided despite dispute. This is in violation of FCRA 1681i ( failure to investigate ) and 1681e ( b ) ( failure to ensure maximum possible accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$10000.00} Reported as Charge Off. I have disputed this account multiple times requesting validation and accounting breakdown. None has been provided. This is a violation of FCRA 1681i and FDCPA 809 ( Validation of Debts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$240.00} Reported as Collection. This is not my account, and I never received any notice or agreement related to it. No validation has been produced. Violation of FCRA 1681e ( b ) and FDCPA 807 ( False or misleading representations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$87.00} Reported as Collection. This entry is false, unverified, and unverifiable. Reporting such data without proper verification is a direct violation of FCRA 1681i and 1681e ( b ) Now I turn to the issues with TransUnion, which have also caused severe damage to my credit profile due to their failure to adhere to the FCRA and FDCPA mandates Wrong Addresses Reported by TransUnion ( Violation of FCRA 1681e ( b ) ) 1XXXX XXXX XXXX XXXX XXXX, PA XXXX Not associated with me XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Not my address Reporting these addresses violates FCRA 1681e ( b ) by failing to maintain accurate and current personal identifying information Inaccurate Accounts on TransUnion ( Violations of FCRA 1681i, 1681e ( b ), and FDCPA 807 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment reporting with no notice, billing statement, or contractual obligation. I never had an account with this company. This was never validated, thus violating FCRA 1681i and 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charge Off with no breakdown or validation of amount, no contract, and no written notification. I dispute this debt entirely. This violates FDCPA 809 and FCRA 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Collection I never received any collection notice or written communication. This debt is not mine and is inaccurately being reported. This is a willful violation of FDCPA 807 and FCRA 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False and damaging reporting without my consent or knowledge of any such account. I have disputed, and no reasonable reinvestigation has been conducted as required under FCRA 1681i I am requesting immediate investigation and deletion of all the above-mentioned accounts and addresses from both Equifax and XXXX  credit reports. These accounts and addresses are materially inaccurate, unverifiable, and were never lawfully validated. I request the Consumer Financial Protection Bureau to enforce compliance, penalize these CRAs for willful violations, and ensure deletion under FCRA 1681n and 1681o for negligent noncompliance.

Company response to consumer: Closed with non-monetary relief