Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items being reported across my credit reports by several consumer reporting agencies, including the three major bureaus ( Equifax, Experian, and TransUnion ) as well as numerous specialty and secondary agencies. 

Despite previous dispute attempts beginning in early XXXX through XXXX, several issues remain unresolved. These include : Incorrect personal information, such as outdated names, addresses, and employers that do not reflect my current or verified history. 

Duplicate student loan entries, reported by multiple servicers which inflate my debt and negatively impact my credit utilization. 

Unauthorized hard inquiries, including several related to auto loans, personal loans, and rental applications that I did not initiate or authorize. 

Accounts discharged in XXXX XXXX bankruptcy that continue to be reported as open, delinquent, or charged off instead of reflecting a discharged status. 

Failure by several agencies to provide timely responses or results of reinvestigation within the 30-day period as required under the FCRA.

Failure to properly investigate disputes or to validate items with original furnishers. 

These inaccuracies have negatively affected my credit profile and my ability to access housing, credit, and financial products. I have mailed dispute letters with identification and supporting documents to all relevant agencies and have kept copies of my reports and correspondence. 

I am requesting that the CFPB ensure all companies involved fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ), verify the accuracy of the data being reported, and correct or remove any information that can not be fully verified. 
Duplicate Student Loan Entries XXXX, XXXX, and XXXX are each reporting identical or overlapping federal student loans. This creates inflated balances and gives the appearance of additional debt. 

Example : One loan with a balance of approximately {$5500.00} is reported three times under separate servicers with overlapping payment histories. 

Inaccurate Bankruptcy Reporting My XXXX  XXXX bankruptcy was discharged on XX/XX/XXXX, yet accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continue to show open balances or charge-off statuses instead of " discharged in bankruptcy. '' Balances range from {$250.00} to {$1400.00} and should be updated or removed. 

Unauthorized and Unverified Inquiries Between XX/XX/XXXX and XX/XX/XXXX, more than 15 hard inquiries appeared on my reports, many of which I did not authorize. These include auto lenders ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ), personal loan lenders ( XXXXXXXX XXXX XXXXXXXX ) XXXX and rental screening ( TransUnion XXXX, XXXX XXXX XXXX ) and more. 

These inquiries are negatively impacting my cred

it and were not initiated by me. Incorrect Personal Information My reports list multipl
e former names, outdated addresses, and employers Ive never worked for. Despite requesting their removal, they remain. 

I have asked that only XXXX XXXX XXXX, my current address, and employer XXXX be retained. 

Failure to Timely Respond I sent certified letters and supporting documents to all three bureaus and multiple specialty agencies. Some responded with boilerplate results, while others failed to respond at all within the FCRA-required 30-day window.

Dispute letters were sent in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with no satisfactory resolution.

Company response to consumer: Closed with non-monetary relief