Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I am filing this complaint because several collection agencies are reporting accounts that do not belong to me and none of these furnishers have provided any verified documentation after I disputed these items as identity theft. These accounts have damaged my credit and I am being denied fair and accurate reporting. I discovered these issues after reviewing my credit reports from all three bureaus. Each bureau shows inconsistent and conflicting information for the same accounts. For example, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all reporting data that does not match across Equifax, Experian, and TransUnion. Some bureaus show the accounts as closed or charged off while the same item is shown as open or placed for collection on another bureau. These inconsistencies appear throughout all of the uploaded bureau files. This violates the requirement of maximum possible accuracy under FCRA 607b and the duty of furnishers under FCRA 623a1 to report only verified and consistent information. None of these companies have provided any original source documents showing that I opened or authorized these accounts. I have never received a signed application, itemized statements, billing history, treatment records, policy documents, or anything that legally connects me to these alleged debts. This is a direct violation of the Fair Debt Collection Practices Act because the furnishers continued reporting without validating the debts after my disputes. My Experian, Equifax, and TransUnion reports all include irregularities such as missing original creditor information, different date opened fields, conflicting account statuses, incorrect date last active fields, and incomplete or missing data fields. This is specifically shown in the uploaded bureau records such as the Experian section for XXXX XXXX where the account is closed on Experian but open on TransUnion and the XXXX account where Experian shows closed and TransUnion shows open. These are clear examples of non compliant Metro2 reporting. I am a victim of identity theft. My personal information was confirmed to be impacted by the Equifax data breach as shown in the document on page 2 of my upload. Because my information was exposed, I can not confirm how my identity was used to create or attach me to these fraudulent accounts. However, I did not authorize any of these debts and the companies involved have failed to provide legally required validation. These inaccurate and fraudulent accounts are preventing me from securing housing and financial stability. I have repeatedly disputed these items with the bureaus and the furnishers and they continue to verify without providing proof. The bureaus are also violating FCRA 1681i by verifying accounts without conducting a reasonable investigation and by relying on unverified information from furnishers.

Company response to consumer: Closed with non-monetary relief