Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding persistent violations of the Fair Credit Reporting Act ( FCRA ) by Experian, as evidenced in my credit report dated XX/XX/XXXX ( Report Number XXXX ). Specifically, Experian has failed to ensure the accuracy of information in my credit file, violating 15 USC 1681e ( b ) ( maximum possible accuracy ), 15 USC 1681s-2 ( accurate reporting by furnishers ), and 15 USC 1681i ( 5 ) ( deletion of inaccurate information ). These inaccuracies include erroneous personal information, accounts, and inquiries, which have not been corrected despite prior disputes. I request your intervention to enforce compliance and ensure the immediate removal of these items per 15 USC 1681i ( 5 ). 
Below, XXXX detail the disputed items, organized by category, as they appear in my Experian credit report. Each item includes specific details, the nature of the FCRA violation, and the requested action. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, Address ID # XXXX This address is outdated and does not reflect my current residence, violating 15 USC 1681e ( b ) for lack of maximum accuracy. 
Order Expect to delete the address XXXX USC 1681i ( 5 ). 
XXXX Name : XXXX XXXX XXXX XXXX XXXX ID # XXXX This redundant name variation is not consistently used, violating 15 USC 1681e ( b ).

Order Expect to delete the name variation per 15 USC1681i ( 5 ) Item Code Details Reason for Violation Action Requested XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance : {$1300.00}, Date Opened : XX/XX/XXXX, Status : Charged off The open date and status are inaccurate and unverified, violating 15 USC 1681e ( b ). Comment : Updated from dispute in XX/XX/XXXX, yet inaccuracies persist. 
XXXX Experian to delete this account immediately per 15 USC 1681i ( 5 ). 

XXXX CREDIT COLLECTION SERVIC, Account Number : XXXX, Balance : {$390.00}, Date Opened : XX/XX/XXXX The balance and open date are unverified, violating 15 USC 1681s-2 .

Order Experian to delete this account per 15 USC 1681i ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$180.00}, Date Opened : XX/XX/XXXX Comment : Consumer disputes after resolution. The account lacks verification, violating 15 USC 1681e ( b ).

Order Experian to delete this account per 15 USC 1681i ( 5 ). 

XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance : {$650.00}, Date Opened : XX/XX/XXXX The open date and balance are inaccurate, violating 15 USC 1681s-2 .

Order Experian to delete this account per 15 USC 1681i ( 5 ) Item Code Details Reason for Violation Action Requested XXXX XXXX, XXXX on : XX/XX/XXXX, Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX This inquiry lacks permissible purpose under 15 USC 1681b , as I did not authorize it.

Order Experian to delete this inquiry immediately per XXXX XXXX XXXX ( XXXX ). 

XXXX CREDIT ACCEPTANCE, Inquired on : XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX This inquiry lacks permissible purpose under 15 USC 1681b , as I did not initiate it.

Order Experian to delete this inquiry per 15 USC 1681i ( 5 ) The above items have caused significant harm to my credit profile, limiting my ability to secure favorable credit terms. Despite prior disputes ( e.g., XXXX XXXX dispute in XX/XX/XXXX, XXXX & XXXX noted as disputed ), Experian has failed to correct or remove these inaccuracies, violating FCRA requirements. The presence of outdated addresses and unauthorized inquiries further exacerbates the issue, as they misrepresent my creditworthiness and expose me to potential fraud. 
* Request for Action I respectfully request that the CFPB investigate Experians non-compliance with the FCRA and compel the immediate deletion of the listed items from my credit report. 
Additionally, I urge the CFPB to impose appropriate penalties on Experian for failing to maintain accurate records and to ensure future compliance with 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i ( 5 ). Please provide confirmation of your investigation and the actions taken to resolve this matter. 
Thank you for your attention to this serious issue. I am available for further information or documentation as needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief