Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Dear Madam or Sirs : Consumer Complaint to the CFPB Equifax To Whom It May Concern at the Consumer Financial Protection Bureau, My name is XXXX XXXX. XXXX, and I am submitting this formal complaint to the CFPB pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 ( a ) ( 1 ), 1681 ( a ) ( 6 ) ( B ) ( 3 ), and 1681 ( a ) ( 5 ) ( B ). This letter addresses multiple ongoing and unresolved reporting violations by Equifax, which have significantly and negatively impacted my financial wellbeing.

Despite numerous previous dispute letters since XXXX, Equifax has continued to retain inaccurate and outdated information on my consumer credit file, which violates the principles set forth in the CFPBs own ruling against Equifax dated XX/XX/XXXX. This precedent confirms that Equifax is aware of its obligations under FCRA and that their continued misconduct warrants corrective enforcement. 
The following items must be removed immediately from my Equifax credit file : XXXX. Incorrect Aliases : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( my correct name is XXXX XXXX. XXXX ). My middle initial is XXXX not XXXX. 
XXXX. False addresses : I have never lived at the following addresses Equifax has listed in my report : 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. Paid off and Closed Accounts being relisted on my credit file and then sold to secondary credit reporting agencies such as XXXX which refuse to verify or remove the erroneous information from my credit history. The following Collections are either listed as charged-offs but are paid : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXXall either paid in full, not mine. In addition, I was never informed, nor have I ever given my consent to transfer or enter into a contractual agreements with any of the third-party debt collection companies listing the entries on my credit profile. 
XXXX. Incorrect tradelines and outdated accounts : XXXX XXXX credit card reported as personal debt ; XXXX XXXX Bank closed in XXXX ; XXXX/XXXX XXXX account I never opened. 
XXXX. All hard inquiries negatively affecting my credit score, which are not authorized by me, including XXXX XXXX, XXXX, and XXXX XXXX, which appears multiple times under variations of the same name including : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. 

This inaccurate and false reporting under variations of the same company name is harming my ability to apply for credit, jobs, financial and health-care products because of the low credit score attributable to these false entries. 

I am requesting that the CFPB compel Equifax to take immediate corrective action and permanently remove all inaccurate, outdated, and unverified information from my credit report in accordance with 15 USC 1681 ( a ) ( 5 ) ( B ). Furthermore, I ask that this complaint be reviewed in light of the XX/XX/XXXX ruling, as Equifax has demonstrated a pattern of failure to correct known errors. 
I reserve the right to pursue financial restitution for any lost job offers, housing opportunities, or credit access I have been denied due to this erroneous reporting. I also request that Equifax be directed to notify all secondary credit agencies and data furnishers ( e.g., XXXX ) to remove these items immediately. 
Respectfully, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation