Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, am writing to lodge a formal consumer complaint regarding numerous serious inaccuracies and unauthorized entries on my credit reports. I submit this complaint through the CFPB for immediate investigation and remediation. The issues outlined below have caused significant harm to my credit reputation and appear to violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Issues on My Credit Reports I have identified the following problems on my credit reports ( XXXX XXXX and TransUnion ) : Unauthorized Credit Inquiries During Incarceration : I was incarcerated for approximately XXXX year, during which time I could not have applied for any credit. Yet, multiple hard inquiries were made on my credit file without my authorization during that period. I did not initiate or approve these inquiries, indicating potential identity theft, fraud, or improper access to my credit report. 
Inaccurate Personal Information : My credit report contains incorrect personal details, including misspellings of my name, phone numbers that are not mine, and addresses where I have never resided. These clear errors suggest negligent record-keeping by the credit reporting agencies and fail the FCRAs requirement to assure maximum possible accuracy XXXX XXXX Accounts : Several collection accounts appear on my report that I do not recognize and have never been contacted about. I have no knowledge of these debts, which raises concerns that they XXXX be erroneously attributed to me or the result of identity theft. I have never received validation or documentation for these debts, and they do not belong to me. 
Erroneously Reported XXXX XXXX : At least XXXX account on my report is showing a late payment that was reported inaccurately. I have evidence that the payment in question was made on time, yet it is marked as late. This false late payment is damaging my XXXX XXXX and creditworthiness unfairly. 
Obsolete Negative Items Over XXXX XXXX XXXX : My credit report is still reporting negative accounts and derogatory marks older than XXXX years, which by law should have been removed. The FCRA prohibits consumer reporting agencies from including adverse information older than XXXX years, yet these old, obsolete accounts remain on my file in violation of that rule. 

The above issues indicate multiple violations of the FCRA by the credit reporting agencies ( CRAs ) and possibly by the furnishers of the information. I would like to highlight the specific FCRA provisions relevant to my complaint : Failure to Assure Maximum Accuracy 15 U.S.C. 1681e ( b ) : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The presence of misspelled names, wrong addresses, and accounts that do not belong to me demonstrates a clear failure to ensure accuracy. Reporting such incorrect personal information and accounts is a direct violation of FCRA 1681e ( b ), as it shows the agencies did not follow procedures to keep my file accurate.

Unauthorized Credit Pulls 15 U.S.C. 1681b : The FCRA allows a credit report to be obtained only for certain permissible purposes and with the consumers consent. I did not authorize any inquiries during my incarceration, and I had no active credit applications at that time. Any party that accessed my report without my consent or a permissible purpose violated FCRA XXXX, which strictly prohibits obtaining or using a credit report without a legitimate reason or authorization. These unauthorized inquiries should never have occurred and must be removed immediately. 
Reporting Obsolete Information 15 U.S.C. 1681c : Section 605 of the FCRA forbids CRAs from reporting old negative information past certain time limits. In particular, no consumer reporting agency may include adverse information older than XXXX years on a report. By continuing to report accounts that date back beyond XXXX years ago, the credit bureaus are violating FCRA 1681c ( a ). These obsolete entries should have been purged from my file and their continued reporting is unlawful.

Failure to Investigate and Correct Errors 15 U.S.C. 1681i : I am disputing all of the above inaccurate items and unauthorized inquiries. Under FCRA XXXX ( Section XXXX, XXXX in case of disputed accuracy ), once a consumer notifies a credit bureau of a dispute, the agency must conduct a reasonable reinvestigation and correct or delete any information that is found to be inaccurate or can not be verified, generally within 30 days. If the disputed information can not be verified or is inaccurate, it must be promptly deleted or corrected. Failing to properly investigate my disputes or leaving unverified information on my report beyond the XXXX statutory period would constitute additional violations of FCRA 1681i. I expect all involved CRAs and furnishers to fully comply with their investigation and correction duties under this section now that I have brought these issues to light.

Company response to consumer: Closed with explanation