Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am filing this complaint because all XX/XX/XXXX credit bureaus Equifax, Experian, and TransUnion are reporting inaccurate, inconsistent, and unverifiable information on my consumer credit files. Despite multiple written disputes submitted under my rights per 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the credit bureaus have continued to report accounts and personal identifiers that violate FCRA XXXX ( b ) ( maximum possible accuracy ) and Metro 2 compliance standards. 

These inaccuracies include : Incorrect personal identifiers ( wrong name, date of birth, address, and employer ). 

False charge-off and collection statuses for multiple accounts. 

Contradictory data fields ( e.g., accounts marked both Open and Charged Off ). 

Reinserted derogatory information after prior disputes, violating XXXX ( a ) ( XXXX ) ( B ). 

Unverified or unverifiable tradelines from furnishers that failed to provide validation documentation. 

XXXX. Affected AccountsXX/XX/XXXX XXXX XXXX Account XX/XX/XXXX Balance : {$1200.00} | Reported by : AllXX/XX/XXXX bureaus This account is simultaneously reported as an open collection, a charged-off account, and an installment account, which is contradictory and violates Metro 2 standards. The furnishers failed to provide a signed contract or billing statement verifying any valid debt. Reporting an open and charged off account concurrently demonstrates data field conflict and structural noncompliance under XXXX XXXX guidelines. 

Violations : FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Knowingly furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) ( B ) Unlawful reinsertion after dispute FDCPA XXXX ( XXXX ) False representation of legal status of debt XXXX XXXX XXXX XXXX XXXX Accounts XX/XX/XXXXandXX/XX/XXXX Balances : {$4700.00} ( unsecured ) and {$9700.00} ( auto loan ) Both accounts are being reported as charged off and open simultaneously, with discrepancies in opening dates, high credit limits, and payment histories across all three bureaus. The furnishers failed to produce original signed contracts or payment records, and the data appears reinserted after prior dispute closure. 

Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing false information FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to properly reinvestigate FCRA XXXX ( b ) Inaccurate and contradictory data reporting Metro 2 XXXX Misclassification of account status These false charge-offs have directly reduced my creditworthiness and demonstrate a pattern of negligent or willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX Balance : {$340.00} This tradeline is reported as a deposit-related open account and simultaneously as charged off, which can not exist under the Metro 2 structure. A deposit-related account can not legally be charged off under Regulation XX/XX/XXXX ( XXXX XXXX XXXX ). The bureaus failed to validate the alleged debt or provide documentation from the furnisher. 

Violations : FCRA XXXX ( b ) Inaccurate reporting FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing false data FCRA XXXX ( a ) ( XXXX ) ( B ) Reinsertion after resolution XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXX/XX/XXXX Balance : {$8700.00} | Type : Line of Credit This account is reported as Open on Equifax and Derogatory on TransUnion, with mismatched balances and payment statuses. The furnishers have not verified the accuracy of this data, nor provided proof of any default or debt obligation. 

Violations : FCRA XXXX ( b ) Inconsistent bureau reporting FCRA XXXX ( a ) ( XXXX ) ( A ) Knowingly furnishing inaccurate information XXXX. Personal Information Errors The bureaus are also reporting false identifiers, including : Incorrect name variations : XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Incorrect employer : CAREGIVERS OF AMERICA. 

Incorrect DOB : XXXX. 

Old or unauthorized address : XXXX XXXX XXXX, XXXX, PA XXXX. 

These violate FCRA XXXX ( b ) and XXXX ( b ), which require the maintenance of accurate and verified consumer identifiers. No verification was provided showing legitimate source documentation. 

XXXX. Harm and Impact Due to these violations, my credit profile has been materially damaged. 

I have been denied credit and housing opportunities based on false derogatory information. 

I have suffered emotional distress and financial hardship from wrongful charge-offs and mixed personal data. 

The continued publication of unverifiable tradelines constitutes willful noncompliance and ongoing injury. 

XXXX. Desired Resolution I am requesting that the CFPB require Equifax, Experian, and TransUnion to : Conduct a full reinvestigation under XXXX ( a ) ( XXXX ) ( A ) using verified source documentation. 

Delete all unverifiable, contradictory, or false tradelines ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXX ). 

Permanently remove all inaccurate personal identifiers. 

Provide written confirmation of compliance and updated credit reports reflecting the corrected data. 

If these errors are not corrected, I intend to pursue civil remedies under FCRA XXXX and XXXX for willful and negligent noncompliance. 

XXXX. Supporting Documentation Attached : Equifax, Experian, and TransUnion reports dated XX/XX/year> Includes annotated inconsistencies per Metro2 data fields ( XXXX, XXXX, XXXX, XXXX, XXXX ) All communications were made in writing and within statutory dispute periods

Company response to consumer: Closed with non-monetary relief