Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Equifax for failure to maintain accurate credit reporting information, refusal to correct erroneous data, and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax continues to report incorrect, outdated, and harmful information on my credit report, which is negatively affecting my credit standing and financial opportunities. 
Despite my attempts to dispute these issues directly, Equifax has not resolved the inaccuracies in a lawful or reasonable manner. The items listed below are being wrongfully reported and are in violation of federal law. 
INCORRECT PERSONAL INFORMATION ( VIOLATION OF 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This address is incorrectly associated with my credit file. I have never lived at this location. Violation : Equifax has a duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure maximum possible accuracy of the information it reports. 
DISPUTED ACCOUNTS XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$180000.00} o Date Opened : XX/XX/XXXX o Issue : Late Payments Reported Violation : Inaccurate or unverifiable payment history violates 15 U.S.C. 1681i ( a ) ( 1 ) and 1681e ( b ). 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$4300.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : Failure to verify validity or accuracy of the charge-off status under 1681i ( a ). 
XXXX. XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$13000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : Reporting outdated/false derogatory info, failure to conduct proper reinvestigation under 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$390.00} o Date Opened : XX/XX/XXXX o Issue : Late Payment Violation : Fails to ensure accurate reporting under 1681e ( b ). 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7100.00} o Date Opened : XX/XX/XXXX o Issue : Late Payment Violation : Data is inaccurate or incomplete, violating FCRA 1681s-2 ( b ). 
XXXX. XXXX o Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$13000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : Inaccurate derogatory info not properly investigated, violating FCRA 1681i. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$41000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : Failure to ensure completeness and accuracy of charge-off under FCRA XXXX XXXX b ). 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : Incorrectly reported as a charge-off and not investigated properly in accordance with 1681i ( a ). 
XXXX. XXXX XXXX XXXX. 
o Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$10000.00} o Date Opened : XX/XX/XXXX o Issue : Charge Off Violation : No proof of validation or investigation after dispute under FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Legal Violations Summary : Equifax has violated multiple sections of the FCRA, including but not limited to : 1681e ( b ) Failing to assure maximum accuracy 1681i ( a ) ( 1 ) Failing to conduct a reasonable reinvestigation 1681s-2 ( b ) Failing to correct or delete inaccurate information 1681c ( a ) Reporting obsolete information 1681g ( a ) ( 1 ) Not disclosing accurate file information Relief Requested : I respectfully request the CFPB to require Equifax to : 1. Delete all inaccurate and unverifiable information listed above.

2. Correct my personal identification and address history.

3. Provide me with updated copies of my credit report after corrections.

4. Provide proof that Equifax has verified all accounts and communicated with original furnishers. 
5. Investigate and hold Equifax accountable for these continued FCRA violations. 

I am filing this complaint against TransUnion for its continued failure to maintain accurate, complete, and verifiable information on my credit report. Despite multiple attempts to correct the issues, TransUnion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), particularly under : Section 609 ( a ) : Right to request all information in the file Section 610 ( a ) : Right to proper disclosure of file Section 611 ( a ) : Duty to reinvestigate disputes of inaccurate information I. INCORRECT ADDRESSES REPORTED TransUnion is reporting addresses on my credit report that I have never resided at, which I believe may be contributing to identity confusion or mixed file issues : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address FCRA Violation : Under FCRA 607 ( b ), CRAs must follow reasonable procedures to ensure maximum possible accuracy. These addresses are inaccurate and must be removed immediately. 
II. INACCURATE OR UNVERIFIABLE ACCOUNT REPORTING Below are the accounts that are being inaccurately or unfairly reported by TransUnion. Many contain charge-offs, collections, or late payments that are either unverifiable, outdated, incorrect, or have not been fully investigated per my previous disputes : XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$180000.00} Issue : Late Payment Law Violated : FCRA 611 ( a ) Failure to verify accuracy upon dispute XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$4300.00} Issue : Charge Off Law Violated : FCRA 609 ( a ) No full verification upon request XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Charge Off Law Violated : FCRA 611 ( a ) Not removed despite dispute and no response XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$390.00} Issue : Late Payment Law Violated : FCRA 607 ( b ) XXXX. XXXX Account # : XXXX * XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$7100.00} Issue : Late Payment Law Violated : FCRA 611 ( a ) 6. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Opened : XX/XX/XXXX High Balance : {$13000.00} Issue : Charge Off Law Violated : FCRA XXXX ( a ) XXXX. XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$41000.00} Issue : Charge Off Law Violated : FCRA 611 ( a ) 8. XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : Charge Off Law Violated : FCRA 611 ( a ), 607 ( b ) 9. XXXX XXXX XXXX. 
Account # : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$10000.00} Issue : Charge Off Law Violated : FCRA 609 ( a ) 10. XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : Charge Off Law Violated : FCRA 611 ( a ) XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$5200.00} Issue : Collection Law Violated : FCRA 609 ( a ) No proper validation notice received III. UNAUTHORIZED HARD INQUIRY Company : CREDITONEBK Date : XX/XX/XXXX Issue : Unauthorized Inquiry No permissible purpose FCRA Violation : FCRA 604 ( a ) A consumer reporting agency may only furnish a report for a permissible purpose. This inquiry was not authorized and must be removed. 
Final Remarks : I have suffered financial harm and mental stress due to these inaccuracies, including denial of credit, higher interest rates, and reputational damage. TransUnion has failed to properly investigate, verify, or remove the inaccurate data despite my prior disputes. 
I am requesting the CFPB to : Investigate TransUnion for non-compliance with the FCRA Order TransUnion to remove all inaccurate addresses and unverifiable account data Ensure full compliance with Section 609 ( a ), 611 ( a ), and 607 ( b ) of the FCRA Take appropriate regulatory action if violations are confirmed To Whom It May Concern, I am writing to formally file a complaint against Experian for ongoing and egregious violations of the Fair Credit Reporting Act ( FCRA ). Experian has reported multiple inaccurate addresses and erroneous account information on my credit report, despite my repeated attempts to have them corrected. 
These inaccuracies are causing significant harm to my credit profile, mental well-being, and financial opportunities, and I am now escalating this issue to the Consumer Financial Protection Bureau for resolution under applicable consumer protection laws. 
Inaccurate Addresses Reported by Experian : The following addresses are being falsely associated with me. I have never lived at or been affiliated with these addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These inaccurate addresses are clear violations of FCRA 607 ( b ) which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 
Accounts with Inaccurate or Damaging Information : Below is a detailed list of accounts that Experian has reported with either false, outdated, or unverifiable derogatory information : XXXX. XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments o High Balance : {$180000.00} o Date Opened : XX/XX/XXXX o FCRA 609 ( a ) ( 1 ) I request full documentation verifying these alleged delinquencies. 
XXXX. XXXXXXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off o High Balance : {$4300.00} o Date Opened : XX/XX/XXXX o FCRA 611 ( a ) I dispute this as inaccurate and unverifiable. 
XXXX. XXXXXXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off o High Balance : {$13000.00} o Date Opened : XX/XX/XXXX o FCRA 602 ( a ) Fair and accurate reporting is being violated. 
XXXX. XXXX XXXX o Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment o High Balance : {$390.00} o Date Opened : XX/XX/XXXX o FCRA 611 ( a ) I request reinvestigation and removal if unverified. 
XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment o High Balance : {$7100.00} o Date Opened : XX/XX/XXXX o FCRA 607 ( b ) No verification has been provided after prior disputes. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off o High Balance : {$13000.00} o Date Opened : XX/XX/XXXX o FCRA 609 ( a ) ( 1 ) I request all supporting documents. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off o High Balance : {$41000.00} o Date Opened : XX/XX/XXXX o FCRA 611 ( a ) Disputed with no proper resolution. 
XXXX. XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge Off o High Balance : {$17000.00} o Date Opened : XX/XX/XXXX o FCRA 602 ( c ) Reporting must be equitable and substantiated. 
XXXX. XXXX XXXX XXXX. 
o Acct # : XXXX o Issue : Charge Off o High Balance : {$10000.00} o Date Opened : XX/XX/XXXX o FCRA 609 ( a ) ( 1 ) Requesting method of verification. 
XXXX. XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Issue : Collection Account o High Balance : {$5200.00} o Date Opened : XX/XX/XXXX o FCRA 623 ( a ) ( 5 ) Debt collector must certify accuracy.

Legal Violations Summary : FCRA 602 : Consumer reports must be fair and accurate. 
FCRA 607 ( b ) : CRAs must assure maximum accuracy.

FCRA 609 ( a ) ( 1 ) : I have a right to full disclosure and verification of accounts.

FCRA 611 ( a ) : I have disputed this information, and Experian failed to properly reinvestigate.

FCRA 623 : Furnishers of information are obligated to report accurate data. 
Complaint Summary : Despite multiple attempts to dispute these entries directly with Experian, the agency continues to report this inaccurate and harmful information. These unresolved errors are affecting my ability to obtain credit, secure housing, and maintain financial stability. I am requesting that the CFPB investigate Experians failure to maintain and correct my consumer file, and to : 1. Immediately delete or correct all the disputed accounts and addresses.

2. Provide the full method of verification and documentation used to validate these accounts.

3. Penalize Experian if they are found in violation of federal law.

I have attached supporting documents as necessary and request a full investigation into Experians handling of my consumer file.

Company response to consumer: Closed with non-monetary relief