Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC, Experian XXXX XXXX XXXX, and TransUnion LLC for willful violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of XXXX. 

Despite my formal disputes, each bureau continues to report inaccurate, incomplete, unverifiable, and unauthorized information on my credit reports. The bureaus have failed to conduct reasonable reinvestigations under 15 U.S.C. 1681i and have not provided original source documentation from the furnishers. 

Negative Items in Dispute XXXX XXXX XXXX XXXX Hard Inquiry dated XX/XX/XXXX No permissible purpose. 

XXXX Account ending in XXXX Reported late XX/XX/XXXX No original contract or payment history. 

XXXX XXXX XXXX Account ending in XXXX Late XXXX XXXX XXXX XXXXXX/XX/XXXX No verification documents. 

XXXX Account ending in XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Updated without validation. 

XXXX XXXX  Account ending in XXXX XXXX XXXX proof of ownership or chain of title. 

XXXX XXXX XXXX  Account ending in XXXX Closed No permissible purpose for continued reporting. 

XXXX Account XXXX in XXXX Closed No proof of accuracy. 

XXXX Unauthorized hard inquiry. 

XXXX Unauthorized hard inquiry. 

XXXX XXXX Unauthorized hard inquiry. 

Bureau-Specific Issues : Equifax : Admitted to only updating fields after electronic responses from furnishers. 

Did not provide original source documents ( signed applications, statements ). 

Cited an internal two-year policy to retain inquiries without proving permissible purpose under 1681b. 

Experian : Relied solely on furnisher confirmation without documentary proof XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

Told me to contact furnishers directly, shifting their statutory duty to me. 

Stated accurate information can not be deleted, ignoring 1681i ( a ) ( 5 ) ( A ) requiring deletion if unverifiable. 

TransUnion : Provided no proof of permissible purpose for inquiries.

Failed to produce method-of-verification documentation required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

Legal Violations : FCRA 1681i ( a ) ( 1 ) & 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information within 30 days.

FCRA 1681b ( a ) No proof of permissible purpose for inquiries/accounts.

FCRA 1681i ( a ) ( 5 ) ( B ) Re-reporting disputed items without certification or notice. 

GLBA, 15 U.S.C. 68016809 Sharing nonpublic personal information without my written consent.

Privacy Act of 1974, 5 U.S.C. 552a Unauthorized use of personal identifiers.

Requested Relief : I am requesting that the CFPB : Order Equifax, Experian, and TransUnion to permanently delete the above-listed accounts and inquiries from my credit profile. 

Require each bureau to provide me with copies of the original source documentation used to verify these items. 

Ensure the bureaus cease reporting any unverifiable or unauthorized information about me. 

The bureaus conduct is ongoing, coordinated, and willful. It has caused financial harm, reduced credit opportunities, and emotional distress. I request immediate CFPB enforcement action.

Company response to consumer: Closed with non-monetary relief