Consumer complaint received 2025-06-06 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: NV

Complaint narrative:
I am filing this complaint out of deep frustration and growing concern after XXXX rounds of disputes submitted to Equifax, Experian, and TransUnion, all of which have failed to resolve clear and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The credit reporting agencies have persistently verified unverified information, ignored my lawful requests, and have failed in their duty to report accurate and fully validated data. 

This negligence has caused me ongoing financial hardship, including rejections for credit, inflated interest rates, and emotional distress due to being misrepresented in the financial system. 

The Issues Still Being Reported Inaccurate & Unverified Late Payments 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 These accounts are reporting late payments that do not reflect my true payment history. I was never provided with certified billing statements, notices of delinquency, or any concrete evidence of late activity. Ive requested full documentation, including billing records and original signed contracts, but have received none. 

Violation : FCRA 1681i ( a ) Failure to reinvestigate disputed information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681n/o Civil liability for willful or negligent noncompliance Despite XXXX previous attempts, the credit bureaus have continued to verify these entries without providing proof a direct violation of federal law. 

Unvalidated Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a dunning letter, debt validation notice, or documentation linking me to these debts. These collections were never verified through the original signed agreements or account history. These collection agencies have not satisfied the legal requirements of FDCPA 809 ( a ), and the credit bureaus are reporting these without investigating my disputes.

Violation : FDCPA 809 ( 15 USC 1692g ) Failure to validate debt FCRA 1681i Credit bureaus must delete unverifiable data I consider this ongoing misreporting to be willful, reckless, and harmful. 

Unauthorized Hard Inquiries No Permissible Purpose or Consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these inquiries. I did not apply for credit or give any company permission to pull my credit report on these dates. These entries are harming my credit score and violating my privacy.

Violation : FCRA 1681b ( c ) Hard inquiries require written consent or permissible purpose FCRA 1681n Civil liability for willful noncompliance FCRA 604 ( a ) ( 3 ) Limits on consumer report access The credit bureaus have failed to remove these inquiries even after multiple rounds of disputes, and have provided no proof of authorization from any of the listed companies. 

This Is My XXXX Round I Am Being Ignored It is unacceptable and unlawful that, despite XXXX rounds of formal disputes sent directly to the credit bureaus, no action has been taken to resolve the above inaccuracies. This is not a clerical oversight this is a pattern of willful disregard for my consumer rights. 
The continued presence of these accounts and inquiries is damaging my credit, limiting my financial opportunities, and inflicting emotional distress. I have made every attempt to resolve this amicably, but the inaction is now bordering on gross negligence. 
Relief Sought : I am requesting that the CFPB compel all three credit bureaus to : Fully remove all unverified late payments from XXXX XXXX XXXX XXXX Delete both collection accounts from XXXX XXXX XXXX XXXX, which remain unvalidated Remove the unauthorized hard inquiries listed above Provide me with a detailed reinvestigation summary, including the name of the furnisher and the method of verification used Penalize the agencies and furnishers if found in violation of federal law Attachments ( to be uploaded when submitting ) : Copy of my government-issued ID Proof of address Letters from prior disputes

Company response to consumer: Closed with non-monetary relief