Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have continued to report inaccurate and conflicting information on my credit file despite multiple prior disputes. 

I am a XXXX XXXX Data Breach impacted consumer and an Equifax Data Breach impacted consumer. Because my personal identifiers were exposed, accurate reporting is especially critical to protect me from further harm.

The problems include : Personal Identifiers Incorrect names, prior addresses, and employer information are being published in my file that do not belong to me. These identifiers were already compromised in the data breaches. Under FCRA 1681e ( b ), the bureaus are required to maintain maximum possible accuracy, yet they continue to publish false names and addresses despite disputes. 

Tradelines with Contradictions Multiple accounts ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX  ) are reporting with conflicting information across the three bureaus. For example, some accounts are marked as Open on one bureau and Closed on another, while also being reported as Paid/OK in monthly history but simultaneously coded as Chargeoff/Derogatory. This is materially misleading and violates XXXX XXXX reporting standards. 

XXXX XXXX  XXXX XXXX This account is reported as Paid, Closed, and {$0.00} balance, yet still shows derogatory late payment notations. An account can not be simultaneously current/paid and derogatory. This violates FCRA 1681e ( b ) and 1681i since no bureau has provided validation with original creditor records. 

Collections ( XXXX XXXX ) XXXX is reporting a collection account coded as both Open and Chargeoff/Derogatory without any proof of chain of title, original contract, or itemized accounting. This data is unverifiable and should have been deleted, not re-reported. 

Unauthorized Inquiries My file also shows hard inquiries ( such as XXXX XXXX XXXX ) for which I never gave authorization. Under FCRA 1681b, a creditor must have permissible purpose to access a consumers file. These inquiries are unauthorized and harmful.

Despite my repeated disputes, the credit bureaus have either ignored my requests or recycled the same unverifiable data without correction. This is a violation of FCRA 1681i ( failure to reasonably reinvestigate ) and constitutes willful noncompliance under FCRA 1681n.

Because of these errors, I have suffered direct harm, including credit denials and higher interest rates.

I am asking the CFPB to investigate and compel the credit bureaus to : Permanently delete all inaccurate late payment notations and unverifiable derogatory trade lines Permanently delete all incorrect names, addresses, and employer identifiers not belonging to me Permanently delete all unauthorized inquiries where permissible purpose can not be validated Update all valid trade lines to reflect Paid as Agreed/ Current / Closed with {$0.00} balance when appropriate Anything less allows the bureaus to continue publishing false, misleading, and harmful data in reckless disregard of federal law.

Company response to consumer: Closed with non-monetary relief