Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to escalate widespread and ongoing violations of the Fair Credit Reporting Act involving inaccurate charge off reporting unauthorized credit inquiries and repeated failures to conduct reasonable investigations after notice. Despite extensive documentation and multiple disputes the consumer reporting agencies and furnishers involved have continued to publish inaccurate and unlawful information that is causing ongoing financial harm. 

Derogatory account items involved XXXX XXXX account ending XXXX This account is reported as a charge off with a current balance of XXXX while displaying conflicting high balance credit limit and activity dates across Equifax Experian and TransUnion. One bureau reports a high balance of XXXX while others report XXXX. The date of last activity and date of last payment differ by years across bureaus while the charge off status continues to be reported as current. The payment history reflects recurring charge off month coding long after the account was closed. Charge off is a one time accounting event and may not be reported as a recurring monthly status. These contradictions make the account impossible to verify and materially misleading. 

XXXX XXXX XXXX account ending XXXX This account is reported inconsistently across bureaus as paid on one bureau and derogatory on another while reflecting a zero balance and ongoing charge off indicators. The payment history continues to display charge off coding despite the account being closed and paid. Re reporting charge off months after closure exaggerates derogatory impact and misrepresents the true condition of the account. These inaccuracies were disputed and the furnisher was placed on notice yet the same contradictory data was re reported without reconciliation demonstrating willful noncompliance. 

Unauthorized inquiry items involved XXXX XXXX XXXX inquiry dated XX/XX/20XXXX XXXX XXXX XXXX inquiry dated XX/XX/2025 XXXX XXXX XXXX dated XX/XX/2025 XXXX XXXX XXXX dated XX/XX/2025 I did not apply for credit request financing authorize a credit review or provide written or verbal consent to any of these entities. There is no corresponding open account no completed application and no consumer initiated transaction that would justify access to my credit report. These inquiries were placed without permissible purpose and remain reported despite disputes. 

Aggravating breach related factors My personally identifiable information including my Social Security number has been confirmed as compromised through documented data breaches. Once identity integrity is compromised the risk of mixed file attribution and unauthorized access increases substantially. Despite this known risk multiple unrelated entities accessed my credit file on the same date without enhanced verification safeguards. The consumer reporting agencies failed to protect my file even after breach exposure and dispute notice. 

Failure of reasonable investigation Each of the above items was disputed and the parties involved were placed on notice of specific inaccuracies and lack of authorization. Instead of correcting or deleting the information the same defective data was re reported. Repeating inaccurate information after notice does not constitute a reasonable investigation and reflects knowing disregard for statutory obligations. 

Harm caused These violations have caused ongoing financial harm credit suppression stress and loss of time. My credit profile otherwise reflects strong responsible credit management yet these unresolved derogatory accounts and unauthorized inquiries continue to negatively affect lending outcomes and risk assessments. 

Requested CFPB action I am requesting CFPB intervention to require the following Permanent deletion of the XXXX Card charge off Permanent deletion of the XXXX XXXX XXXX charge off Permanent deletion of all unauthorized inquiries listed above Confirmation that no permissible purpose exists for the inquiries Review and enforcement action regarding the investigation and data protection procedures used by the consumer reporting agencies and furnishers Corrective safeguards to prevent further unauthorized access and inaccurate reporting This complaint is supported by full credit reports dispute history furnisher responses bureau correspondence and breach confirmation records. The pattern demonstrates systemic noncompliance rather than isolated error. Regulatory enforcement is necessary to stop ongoing harm and restore the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief