Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting, Improper Identity Labeling, and Score Suppression by Equifax I am writing to file a formal complaint concerning multiple serious and ongoing errors in my Equifax credit report. Despite repeated efforts to resolve these inaccuracies through proper dispute channels, Equifax has failed to correct, investigate, or respond adequately to issues that are negatively and unfairly affecting my credit profile and overall financial well-being. 

First, my credit report inaccurately identifies me as XXXX XXXX XXXX XXXX. I am not a XXXX, nor have I ever used that suffix. I am a woman, and this misclassification is not only factually incorrect but highly offensive. Despite notifying Equifax of this error, it remains uncorrected. 

Additionally, Equifax continues to report inaccurate and misleading information related to a XXXX XXXX account. The balance, payment status, and credit limits reported are incorrect, and the account is materially impacting my credit score. I have submitted formal disputes and requested proper documentation, including validation of the debt and a copy of any signed agreements, but Equifax has failed to conduct an appropriate investigation or to provide a timely or meaningful resolution. Instead, I received generic responses stating the information has been " verified, '' without explanation or correction. 

Moreover, XXXX XXXX continues to access my Equifax credit report without my knowledge or consent. These inquiries are unauthorized and further violate my rights under federal law. Equifax has allowed these unauthorized pulls to persist despite being informed. 

Furthermore, Equifax is failing to report several of my active, positive credit accounts that appear on my TransUnion and Experian reports. The absence of these accounts is resulting in a significant suppression of my credit score. As of the most recent report, my score is listed at XXXX, which does not reflect my true credit behavior or standing. I maintain low balances, avoid delinquencies, and make timely payments. The score provided is therefore not only inaccurate, but it is also harmful. 

The following laws and rights have been violated : Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : Equifax has failed to assure the maximum possible accuracy of the information on my credit report.

FCRA 1681i : Equifax has not conducted proper reinvestigations of disputed information.

FCRA 1681s-2 ( b ) : Equifax has failed to correct or delete inaccurate data after being notified.

FCRA 1681b ( f ) : XXXX XXXX has accessed my report without a permissible purpose, and Equifax has allowed these unauthorized inquiries. 

As a result of these actions and inactions, I have been denied rental housing, experienced credit application rejections, and suffered emotional stress and reputational harm. 

To resolve this matter, I am requesting the following actions : Remove the incorrect XXXX suffix from my name on all Equifax records. 

XXXX a full reinvestigation of the XXXX XXXX tradeline and correct or delete all inaccurate information. 

Immediately block and remove all unauthorized inquiries made by XXXX XXXX. 

Accurately report all missing positive credit accounts that are present on other bureau reports. 

Recalculate my credit score based on updated and complete information. 

Provide written documentation of all actions taken in response to this complaint. 

If these issues are not corrected within a reasonable timeframe, I will escalate this complaint to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. I will also consider all legal options available to recover damages for the harm caused by these persistent violations. 

I expect a timely and complete resolution. Please confirm receipt of this complaint and provide a case reference number for tracking. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation