Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 

Dispute Rights : You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 

Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. 

Dispute Rights : You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 

I REQUEST IMMEDIATE REMOVAL OF ALL AS FOLLOWS : ALL DEROGATORY MARKS, ALL LATE PAYMENTS, ALL INQUIRIES. 



I AM A REAL HUMAN XXXX!! ! XXXX Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT IN XXXX, the CFPB sued TransUnion and a former executive for violating a law enforcement order. That litigation is ongoing. In XXXX, the CFPB and the Federal Trade Commission took action against TransUnion for illegal rental background check and credit reporting practices, leading to {$23.00} XXXX in restitution and penalties. The CFPB will continue to closely monitor government contractors and data brokers to halt abuse and misuse of sensitive data. TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX Office of Minority and Women Inclusion at the Bureau Directives for our work Section 342 of the Dodd-Frank Act created an Office of Minority and Women Inclusion ( OMWI ) in each of the financial regulatory agencies, including the CFPB. OMWI is responsible for all matters to the agency relating to diversity in management, employment, and business activities. 12 U.S.C. 5452. 2. Regulations implementing Section 501 of the Rehabilitation Act of 1973 requires agencies to facilitate full inclusion of people with disabilities. 3. Code of Federal Regulations ( CFR ) Title 29 Part 1614 requires that we provide a neutral forum for the discussion, investigation, adjudication, and resolution of Equal Employment Opportunity matters. There are other executive orders on the matter. 4. Title VII of the Civil Rights Act of 1964, the Equal Pay Act, the Age Discrimination in Employment Act, and the Genetic Information Non-Discrimination Act require that the Bureau follow all civil rights laws. ON THE XXXX OF XX/XX/XXXX MY SCORE INCREASED TO XXXX TRANSUNION NEVER ADDED OR REMOVED ANY CREDIT. ON XXXX OF XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS TO XXXX FOR DEROGATORY MARKS FACTOR MOVING FROM FAIR TO EXCELLENT, I HAVE PROOF. ON THE XXXX OF XX/XX/XXXX MY CREDIT SCORE MOVED FROM A SCORE OF XXXX TRANSUNION TO A XXXX TRANSUNION SCORE FOR MY CREDIT CARD USAGE MOVED FROM GOOD TO NEEDS WORK??? ON XXXX OF XX/XX/XXXX TRANSUNION DROPPED MY SCORE BY XXXX POINTS FOR MY CREDIT CARD USAGE MOVING FROM 52 % TO UNDER 20 %.??? NOW MY SCORE HAS DROPPED FROM XXXX TRANSUNION CREDIT SCORE ON THE XXXX OF XX/XX/XXXX TO XXXX TRANSUNION SCORE CREDIT SCORE FOR USING {$29.00} ON A CREDIT CARD THAT I AM A AUTHORIZED USER ON OF 44 YEARS AND HAS A CREDIT LIMIT OF {$1600.00} DOLLARS. I HAVE PROOF WHICH I SENT WITH THIS DISPUTE!! ! XXXX ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. I MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 

Attachments 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed, a final response will be forwarded to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Please note that you may also submit your request or documents supporting your claim electronically at XXXX. You may also visit Experians dispute center by visiting XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. 
Potential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. 

What do I do? 

You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. 

The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. 

You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Monday through Friday ( except federal holidays ). 
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Company response to consumer: Closed with explanation