Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am filing this complaint because all three major credit reporting agencies Equifax, Experian, and TransUnion have continued to report inaccurate, unverifiable, and obsolete information despite my formal written disputes dated XX/XX/XXXX. 
Each bureau failed to comply with 15 U.S.C. 1681i ( Reinvestigations of disputed information ) and 1681e ( b ) ( Accuracy of reports ). These violations have caused me financial harm through unjustified credit denials and higher interest rates.

Details of the Violations 1. Personal Information Errors All three bureaus are reporting incorrect and obsolete personal identifiers, including : Old and undeliverable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not deliverable by the U.S. Postal Service and are not associated with me. 

Incorrect employer information : XXXX XXXX XXXX XXXX, XXXX XXXX, and INSPECTOR appear erroneously on all reports. 

Incorrect or duplicate name listings : Some bureaus list XXXX XXXX XXXX or XXXX, XXXX XXXX, creating the appearance of multiple identities. 

Incorrect DOB entries : Alternative or incomplete formats of XX/XX/XXXX appear, creating mixed-file risk. 

These items violate FCRA 1681e ( b ) because the credit bureaus did not use reasonable procedures to ensure the maximum possible accuracy of identifying data. They also fail to meet the Metro 2 CRRG 2.1 and 4.1 standards for personal-identifier reporting consistency.

2. Inaccurate Account Reporting a. Equifax XXXX ( Child Support ) Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Child Support ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts display derogatory or charge-off statuses that have not been verified with original contracts or signatures. The reporting agencies have not produced any verifiable documentation showing I authorized these accounts.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ), bureaus must obtain physical verification of original consumer contracts before reporting or maintaining disputed items.

Additionally : The Metro 2 data fields ( e.g., Date Last Active, Balance, Payment Status ) show mismatched or inconsistent entries between bureaus, proving the accounts were not reported with maximum possible accuracy. 

Several accounts, such as XXXX, were marked as charged off and disputed by consumer yet remained active past the required deletion timeframe.

This conduct violates FCRA 1681i ( a ) ( 5 ) ( Failure to delete unverifiable information ) and CFPB Regulation V 1022.43 ( Maintenance of accurate information ). 

3. Unauthorized Credit Inquiries Each bureau reported multiple unauthorized inquiries for which no written consent or permissible purpose exists under FCRA 604 ( a ).

The entities listed below did not have my authorization : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 and others. 

TransUnion : 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 inquiries were made without permissible purpose as defined by 604 ( f ), constituting privacy violations and breaches of 1681b ( c ). None of the bureaus have provided physical documentation proving my consent.

Impact on Consumer Because of these repeated reporting failures : My credit score has been artificially suppressed, resulting in denials of credit, elevated interest rates, and delayed access to stable housing.

My time, resources, and peace of mind have been impacted due to the need for continuous disputes.

The persistence of unverifiable accounts and unauthorized inquiries constitutes willful noncompliance under FCRA 616, exposing furnishers and bureaus to liability.

Requested Resolution I respectfully request that the CFPB compel Equifax, Experian, and TransUnion to : Delete all unverifiable and inaccurate accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

Remove all unauthorized inquiries lacking permissible purpose.

Purge all obsolete or incorrect personal identifiers, including non-deliverable addresses, false employer listings, and incorrect name variants.

Provide written confirmation of the completed deletions and an updated credit report showing compliance.

Ensure future reporting adheres strictly to the Metro 2 CRRG 2020 standards and FCRA requirements for data accuracy. 

Legal Basis for Complaint This complaint cites violations of : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681b ( f ) Unauthorized credit access without permissible purpose 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to correct or delete disputed data CFPB Reg. V 1022.43 Duty to maintain accurate information Metro 2 CRRG 2.1, 4.1, 7.2 Non-compliant data field reporting standards Attachments Copies of dispute letters sent to Equifax, Experian, and TransUnion dated XX/XX/XXXX Highlighted pages indicating inaccurate data fields and unauthorized inquiries

Company response to consumer: Closed with non-monetary relief