Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
COMPANY : EXPERIAN, EQUIFAX, TRANSUNION ( All Three Credit Bureaus ) WHAT HAPPENED : I discovered extensive inaccuracies on my credit reports from all three major credit reporting agencies that are systematically violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, these companies refuse to comply with federal law.

SPECIFIC VIOLATIONS : 1. IDENTITY CONFUSION VIOLATIONS : My credit report contains 5+ incorrect name variations : XXXX XXXX XXXX NOT MY NAME ) XXXX XXXX XXXX XXXX NOT MY NAME ) XXXX XXXX XXXX XXXX NOT MY NAME ) XXXX XXXX XXXX XXXX NOT MY NAME ) XXXX XXXX ( NOT MY NAME ) My legal name is XXXX XXXX XXXX only . These incorrect names violate FCRA 1681e ( b ) maximum accuracy requirements.

2. CHARGED-OFF ACCOUNT VIOLATIONS : Nine accounts showing as charged-off are being improperly reported : XXXX XXXX XXXX XXXX  - {$970.00} XXXX  XXXX ( XXXX ) - {$450.00} XXXX  XXXX  accounts ( multiple ) - $ XXXX total XXXX XXXX  ( XXXX ) - {$3600.00} XXXX  XXXX XXXX XXXX ( XXXX ) XXXX {$22000.00} LEGAL ISSUE : Original creditors can not report charge-offs after selling debts to third parties. This violates FCRA 1681i ( a ) ( 1 ) accuracy requirements. 
XXXX. COLLECTION ACCOUNT VIOLATIONS : Nine collection accounts with unverifiable ownership : XXXX XXXX - {$1200.00} ( XXXX XXXX XXXX ) XXXX XXXX  - {$1400.00} + {$660.00} ( multiple accounts ) XXXX XXXX  - {$1000.00} + {$3300.00} + {$1000.00} ( multiple accounts ) XXXX XXXX {$1600.00} ( XXXX  XXXX XXXX  ) LEGAL ISSUE : Debt buyers can not report without verifying ownership and chain of title. Violates FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. DUPLICATE REPORTING VIOLATIONS : Same debts reported by both original creditors AND debt buyers : XXXX accounts charged off AND in collections Multiple XXXX accounts for same original creditors WHAT I WANT : Immediate Investigation of all disputed accounts under FCRA 1681i Deletion of Unverifiable Information within 5 business days per FCRA 1681i ( a ) ( 5 ) ( B ) Correction of Personal Information - Remove all incorrect name variations Updated Credit Reports reflecting all corrections and deletions Regulatory Enforcement - CFPB should investigate systematic violations Monetary Penalties for willful FCRA non-compliance ATTEMPTS TO RESOLVE : I have sent detailed dispute letters citing specific FCRA violations to all three credit bureaus via certified mail. The systematic nature of these violations and the credit bureaus ' history of non-compliance necessitates regulatory intervention. 

ADDITIONAL DETAILS : Current FICO Score : XXXX ( severely damaged by inaccurate reporting ) Total disputed debt : $ XXXX in questionable/unverifiable accounts Impact : Denied credit, higher rates, employment concerns Pattern : All three bureaus showing identical inaccurate information CROSS-FILING NOTICE : I am simultaneously filing complaints with the Federal Trade Commission ( FTC ) regarding these same FCRA violations by EXPERIAN, EQUIFAX , and TRANSUNION.

Company response to consumer: Closed with non-monetary relief