Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and misleading entries reported on my credit report. These include erroneous collection accounts, hard inquiries, and failure to adhere to federal consumer protection laws such as the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692.

I have previously submitted disputes directly to Equifax but have yet to receive adequate investigation or correction. Many of these accounts and inquiries are completely unfamiliar to me, were never authorized, or are reported with incorrect information. 
Disputed Accounts : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Status : Collection This account is inaccurately reported and unverifiable. I never received any notice of debt validation from this company. 
Violation : FCRA 611 Failure to conduct a reasonable investigation FDCPA 809 Failure to provide debt validation XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Collection No written notice, no validation. This is a violation of my right to dispute and verification. 
Violation : FCRA 1681e ( b ) Failure to maintain maximum accuracy FDCPA 807 ( 8 ) Misleading reporting of debt XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$540.00} Date Opened : XX/XX/XXXX Status : Collection XXXX  has a history of unverifiable debts. I never received any prior communication or notice to validate this debt. 
Violation : FDCPA 809 Failure to validate debt FCRA 602 Reporting inaccurate and outdated information XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Status : Collection Unverified entry. This debt was never acknowledged or validated as required by law. 
Violation : FCRA 611 No proper investigation FDCPA 809 ( b ) Failure to verify debt before reporting XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  High Balance : {$330.00} Date Opened : XX/XX/XXXX Status : Collection This account is not mine. I have disputed it, and Equifax failed to conduct a reasonable investigation. 
Violation : FCRA XXXX Failure to respond properly to dispute FDCPA XXXX False representation of the debt XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX High Balance : -- Date Opened : XX/XX/XXXX Status : Collection No documentation or proof of ownership has ever been provided. This account is not mine. 
Violation : FCRA 1681s-2 Furnishing inaccurate information FDCPA 809 ( a ) No validation of debt Unauthorized Hard Inquiries : These inquiries are hurting my score and were made without my knowledge or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries. Most are related to auto financing which I did not initiate.

Violation : FCRA 604 ( a ) ( 3 ) Permissible purpose required for inquiry FCRA 616 Willful noncompliance may entitle damages Summary of Issues : Equifax failed to properly investigate and correct inaccurate collection accounts after disputes.

Equifax reported unauthorized and unconsented hard inquiries, violating my rights under FCRA.

Debt collectors failed to validate debts as required under FDCPA, yet Equifax continues to report them. 
Reporting these accounts and inquiries has severely and unfairly impacted my credit score, ability to secure housing, employment, and fair credit opportunities.

Company response to consumer: Closed with non-monetary relief