Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
I'm writing this complaint because I've been trying to fix serious problems with my credit reports for months now, and the credit bureaus are completely ignoring my dispute letters. I've sent certified mail to all three bureaus- TransUnion, Experian, and Equifax- but they haven't responded or fixed anything. 

The biggest problem is that my personal information is a complete mess across all three credit bureaus. They have my name listed in so many different ways that it's causing major issues. Sometimes I'm " XXXX XXXX XXXX, '' other times " XXXX XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX XXXX, '' and even " XXXX XXXX. '' This is ridiculous - I have XXXX legal name and that's XXXX XXXX. 

What's even worse is that Experian has completely disappeared from my recent credit report. I think it's because they have my name and address so messed up that their system can't even find my file anymore. This is causing serious problems because lenders can't get a complete picture of my credit when XXXX of the XXXX major bureaus isn't showing up. 

My correct information should be : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX But the bureaus have all these wrong variations and old addresses mixed in that are confusing everything. 

Another major issue is all these credit inquiries on my reports that I never authorized. I have XXXX inquiries on TransUnion and XXXX on Equifax just in the past XXXX years. Most of these happened when I was shopping for a car loan in XX/XX/year>, but they're showing up as separate inquiries instead of being grouped together like they're supposed to be. When you shop for auto loans within a short period, they should only count as XXXX inquiry, not dozens. 

Some of these inquiries I don't even recognize and never authorized : - Multiple XXXX XXXX inquiries on the same days - XXXX inquiries I never requested - XXXX inquiries I didn't authorize - Duplicate inquiries from the same companies These unauthorized inquiries are hurting my credit score and making it look like I'm desperately seeking credit when I'm not. 

I also have problems with how my payment history is being reported. My XXXX XXXX   account shows XXXX and XXXX  day late payments, and my XXXX XXXX account shows a XXXX  day late payment. I've been working hard to rebuild my credit and these late payments are being reported incorrectly or are the result of billing issues that weren't my fault. 

The credit bureaus are supposed to investigate when consumers dispute information, but they're completely ignoring my letters. I've sent multiple dispute letters with documentation, but I haven't received any responses or seen any corrections made to my reports. 

This is affecting my ability to get better credit terms and improve my financial situation. My credit scores are still low partly because of all these problems that should have been fixed months ago. 

I need the CFPB to step in because the credit bureaus aren't following the law. They're required to investigate disputes within XXXX  days and correct inaccurate information, but they're not doing their job.

Company response to consumer: Closed with non-monetary relief