Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, unverifiable, and incomplete information on my credit reports. Despite my written disputes dated XX/XX/XXXX, the credit bureaus have failed to correct or remove items that do not comply with 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which require maximum possible accuracy and deletion of unverifiable data. 

Details of Violations and Disputed Items XXXX. Personal Information Errors Each bureau continues to report incorrect and non-deliverable addresses such as : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Crosswater XXXX XXXX XXXX XXXXXXXX FL XXXX These are not my residences, and the XXXX. Postal Service has confirmed they are not deliverable. 
Additionally, my reports list inconsistent employer and date-of-birth information, violating the FCRAs accuracy requirement and XXXX XXXX data field standards for consumer identification.

2. Inaccurate or Unverified Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported inconsistently across bureaus as open, current, or in dispute resolved, with conflicting open and last-active dates ( XX/XX/XXXX vs XX/XX/XXXX ) None of the bureaus produced original signed documentation proving I opened or authorized this account. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appears as an active collection opened XX/XX/XXXX for {$470.00}, though no corresponding creditor relationship exists and no payment history or validation was provided. 
Reporting dates and statuses vary across bureaus ( Derogatory, Charge-off, and Placed for collection ) Santander ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  listed by Equifax only XXXX a charged-off auto loan for {$15000.00}, last reported XX/XX/XXXX There is no proof of contract or permissible purpose for this debt. 

These accounts violate FCRA 609 ( a ) ( 1 ) ( A ), requiring verifiable proof ( original consumer contract ) before reporting, and 1681s-2 ( b ), which obligates data furnishers to correct inaccurate data after notice of dispute. 

XXXX. Unauthorized Inquiries Multiple unauthorized inquiries appear across all bureaus : 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 XXXXXX/XX/XXXX ) None of these entities produced lawful permissible purpose documentation as defined by FCRA 604 ( a ). Each inquiry constitutes an impermissible access of my credit report and a privacy violation under 1681b ( c ) Legal Basis for Complaint FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 1681b ( c ) & 604 : Unauthorized access/ no permissible purpose.

FCRA 609 ( a ) ( 1 ) ( A ) : No verifiable proof of contract.

FDCPA 807 ( 8 ) : Communicating false credit information known to be fal
se.

Metro 2 Reporting Standards ( XXXX XXXX XXXX XXXX : XXXXureaus are not meeting compliance for data accuracy and uniformity.

Requested Resolution Immediate deletion of all unverifiable and inaccurate items, including the accounts listed above. 

Removal of all unauthorized inquiries that lack verifiable permissible purpose. 

Correction of personal information to reflect only : Current address XXXX XXXX XXXX, XXXX XXXX FL XXXX Employer Self Employed XXXX XX/XX/XXXX Written confirmation and delivery of updated credit reports from all three bureaus within 30 days. 

If not resolved, I request CFPB investigation into all three bureaus for systemic reporting negligence and failure to adhere to federal law. 

XXXX XXXX I have made every good-faith attempt to correct my credit reports directly with the bureaus, yet they continue to circulate false, unverifiable, and non-compliant data that harms my creditworthiness. These reporting agencies are acting in violation of my rights under the Fair Credit Reporting Act. I request CFPB oversight to enforce removal and ensure compliance with all applicable federal standards.

Company response to consumer: Closed with non-monetary relief