Consumer complaint received 2025-12-22 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:
I am filing this complaint against Equifax, Experian, TransUnion, and the listed furnishers for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite multiple written disputes and clear notice, the credit reporting agencies and furnishers continue to report inaccurate, internally contradictory, and unverifiable information on my credit reports. 

This is not a single error. It is a systemic failure of accuracy, investigation, and compliance.

I. DISPUTED PERSONAL IDENTIFYING INFORMATION Violations of FCRA 1681e ( b ), 1681i ( a ) ( 1 ), FTC Act 15 U.S.C. 45 The following personal identifying information is inaccurate, incomplete, and can not be reliably verified as belonging to me : Incorrect Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect / Unverifiable Employer Information XXXX XXXX XXXX XXXX These identifiers do not accurately reflect my identity and are being used to improperly associate accounts to my credit file. I am a confirmed victim of the Equifax Data Breach and the XXXX XXXX XXXX breach, which compromised my personal information. Because my identifiers have been exposed, any automated matching or verification based on this data is unreliable unless supported by original, breach-safe documentation, which has not been produced.

Despite formal disputes, these inaccurate identifiers remain on my reports, violating FCRA 1681e ( b ) and enabling misattribution of accounts. Continuing to publish unverifiable personal data is also unfair and deceptive under the FTC Act. 

XXXX. DISPUTED ACCOUNT : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Reported As : Installment Sales Contract / Charge-Off / Collection Balance : {$0.00} Violations of FCRA 1681e ( b ), 1681i ( a ) ( 1 ), 1681s-2 ( b ) This account is being reported in an internally contradictory and impossible manner : Reported as a paid charge-off with a {$0.00} balance Simultaneously coded as derogatory, charge-off, and collection Payment history reflects activity after charge-off, which is not legally possible Last payment and last activity are shown in XXXX, yet the account is reported as updated and active in XXXX XXXX balance, no past due, no monthly payment yet still damaging my credit A charged-off account can not lawfully generate positive payment history after charge-off. The timelines do not reconcile. This is corrupted reporting, not a clerical error. 

I disputed this account and placed the bureaus and furnisher on notice that my personal data was compromised. Instead of conducting a competent, human reinvestigation using original documentation, they relied on automated processes and continued publishing unverifiable information.

This conduct violates : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) continued reporting of disputed information without validation FTC Act 15 U.S.C. 45 unfair and deceptive practices Because the errors are structural, this tradeline can not be cured through updates or remarks.

Permanent deletion is the only lawful remedy. 

XXXX. DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Charge Account / Revolving Balance Reported : {$2500.00} Violations of FCRA 1681e ( b ), 1681i ( a ) ( 1 ), 1681s-2 ( b ) This account is reported as charged off and derogatory, yet the reporting is internally inconsistent and unverifiable : Inconsistent high credit and credit limit amounts across bureaus Conflicting last activity and last payment dates No documentation provided establishing lawful obligation or accurate balance Continued reporting after dispute without validation Despite my dispute, neither the bureaus nor the furnisher produced a signed consumer agreement, itemized billing, or any breach-safe documentation linking this account to me.

Continuing to report a disputed charge account without validation violates : FCRA 1681e ( b ) FCRA 1681i ( a ) ( 1 ) FCRA 1681s-2 ( b ) This account must be deleted, not updated. 

IV. DISPUTED ACCOUNT XXXX XXXX XXXX XXXXXXXX ( Collection ) Account Number : XXXX XXXX XXXX XXXX XXXX Alleged Originator : XXXX XXXX XXXX XXXX : {$76.00} Violations of FCRA 1681e ( b ), 1681i ( a ) ( 1 ), 1681s-2 ( b ), FTC Act 45 I do not recognize this debt as a valid obligation. I did not authorize it, and XXXX. XXXX has never produced : A signed contract Itemized billing Proof that I incurred or consented to the alleged debt Despite the absence of validation, this account was placed for collection and reported as derogatory. 

The reporting itself is deficient : No payment history No validation of dates No evidence of authorization No documentation linking me to XXXX XXXX XXXX XXXX After dispute, the bureaus and furnisher relied on automated handling and continued publishing damaging information they can not substantiate. Reporting an unverified and potentially fraudulent collection is unfair and deceptive under the FTC Act.

This conduct violates : FCRA 1681e ( b ) FCRA 1681i ( a ) ( 1 ) FCRA 1681s-2 ( b ) FTC Act 15 U.S.C. 45 Because this account can not be authenticated and may be fraudulent, permanent deletion is required.

V. FAILURE OF REASONABLE REINVESTIGATION & FORM LETTER RESPONSES Across all disputes, the credit reporting agencies responded with generic form letters, ignored the substance of my disputes, and failed to resolve documented contradictions. Automated dispute handling does not satisfy the statutory requirement for a reasonable reinvestigation when material factual disputes exist. 

VI. HARM CAUSED These violations have caused : Denial of credit opportunities Higher interest rates and unfavorable terms Ongoing financial and reputational harm Increased risk of identity misuse The harm is aggravated by continued reporting after notice, demonstrating willful noncompliance. 

XXXX. REQUESTED CFPB ACTION I respectfully request CFPB enforcement action to require : Immediate and permanent deletion of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of all incorrect personal identifiers listed above XXXX of automated dispute handling for material disputes Written confirmation that these violations have been corrected and will not recur These errors are structural, not clerical. 
Permanent deletion is the only lawful remedy. 

Next options ( recommended ) : Split this into 3 separate CFPB complaints ( one per bureau ) Create furnisher-only CFPB filings for maximum leverage Rewrite for pre-litigation / demand letter escalation Just tell me how hard you want to press this file is already very strong.

Company response to consumer: Closed with non-monetary relief