Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint & Dispute Inaccurate Collection, Unauthorized Inquiries, and Outdated Personal Information To Whom It May Concern, I am filing a formal complaint and dispute regarding multiple inaccurate and unverifiable items being reported to my credit files by Equifax, TransUnion, and Experian. 

XXXX. Collection Account in Dispute Collector : XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  Balance Reported : {$3700.00} Date Opened : XX/XX/XXXX Reported On : Equifax & TransUnion This collection account is inaccurate and unverifiable. It contains inconsistent reporting across bureaus and no signed contract, proof of ownership, or payment history has been provided. 

The continued reporting of this unverifiable account violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

I request immediate deletion of this account unless full validation is provided. 

XXXX. Unauthorized Hard Inquiries My credit reports also list several hard inquiries that I did not authorize and that do not meet the permissible purpose requirements of FCRA, 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries must be removed immediately. 

XXXX. Outdated / Inaccurate Personal Information The following outdated and incorrect information is still listed on my credit reports and must be removed : Old Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the CFPB require the credit bureaus and XXXX XXXX XXXX  to : Remove the disputed XXXX XXXX  collection account unless validated with full documentation. 

Delete the unauthorized hard inquiries listed above. 

Remove outdated names, addresses, and employers from my credit reports. 

Provide me with written confirmation once these corrections have been completed. 

Enclosures ( supporting documents ) : Copy of Equifax & TransUnion credit reports showing disputed items Copy of drivers license / state ID Copy of recent utility bill ( proof of address ) Thank you for your prompt assistance in correcting these issues. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief