Consumer complaint received 2025-12-21 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:
What Happened This complaint arises from identity theft, mixed-file contamination, and/or data breaches that have resulted in XXXX reporting inaccurate, incomplete, and unverifiable information on my consumer credit file. 

Despite my submission of a Verified FTC Identity Theft Report and Police Report, XXXX continues to report accounts, hard inquiries, balances, and personal information that do not belong to me or can not be lawfully verified. 

XXXX actions constitute : Failure to maintain maximum possible accuracy ( 15 U.S.C. 607 ( b ) ) Failure to block identity-theft-related information within four ( 4 ) business days ( 15 U.S.C. 605B ) Failure to conduct a reasonable reinvestigation ( 15 U.S.C. 611 ) Failure to provide a lawful Method of Verification ( MOV ) ( 15 U.S.C. 609 ( a ), 611 ( a ) ( 7 ) ) Improper reliance on automated or conclusory e-OSCAR responses without documentary, account-level verification These violations have caused material harm, including credit score suppression, adverse lending risk classification, and loss of access to lawful credit opportunities.

Identity Theft Documentation on File The following documents were provided and meet the statutory definition of an Identity Theft Report under 15 U.S.C. 603 ( q ) : FTC Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Receipt of these documents triggered mandatory blocking obligations under 605B ( a ), which XXXX has failed to honor.

Failure to Block Identity-Theft Information ( 605B ) XXXX continues to report identity-theft-related information beyond the four-business-day statutory window, including : Accounts and tradelines associated with an address I have never lived at : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Unauthorized hard credit inquiries Accounts reported with missing payment history, unexplained balances, and no verification Continued reporting after receipt of identity-theft documentation constitutes negligent and/or willful non-compliance with the Fair Credit Reporting Act.

Unauthorized Hard Inquiries ( No Permissible Purpose ) The following hard inquiries appear on my Experian credit file without documented permissible purpose under 15 U.S.C. 604 and are reasonably alleged to result from identity theft or mixed-file activity : Creditor Type Date Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No signed application, consumer authorization, or consumer-initiated transaction has been produced for these inquiries. Automated confirmation does not satisfy FCRA verification requirements.

Cross-Bureau Inconsistencies & Failure to Verify Accounts XXXXXXXX XXXX  ( Auto Loan ) Actively reported by another CRA Not reported by XXXX Balance exceeds high credit with no ledger, payment history, or explanation No Date of First Delinquency ( DOFD ) No Metro 2 reporting codes No Method of Verification provided XXXX failure to either report this account accurately or certify lawful verification renders my XXXX credit file incomplete and misleading. 

Late-Payment & Account Status Defects ( Metro 2 Code 162 ) MOHELA / U.S. Department of Education Reported as Open / Current elsewhere Not reported by XXXX Balance exceeds high credit by over {$40000.00} No payment history, ledger, or documentation Dispute resolved; reported by grantor is conclusory and unlawful Selective reporting combined with missing verification constitutes a material reporting defect. 

Harm Caused As a direct result of XXXX failures, I have suffered : Credit score damage Increased lending risk classification Denial or restriction of financing opportunities Ongoing identity-theft exposure Significant time loss and emotional distress These are concrete harms, consistent with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief