Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT LETTER INACCURACIES ON MY CREDIT REPORTS Subject : FCRA Violations Inaccurate, Unverified, and Incomplete Information Reported by Experian, Equifax, and TransUnion Dear Consumer Financial Protection Bureau, I am filing a complaint because multiple credit reporting agencies are reporting inaccurate, incomplete, and unverified information on my credit files in violation of the Fair Credit Reporting Act ( FCRA ). Despite previous disputes, these items continue to be reported incorrectly. 
Below is a detailed breakdown of the inaccuracies for each bureau : EXPERIAN INACCURACIES 1. XXXX  XXXX XXXX XXXX ( {$500.00} ) Experian reports a charge-off without providing the Date of First Delinquency ( DOFD ).

Missing DOFD violates FCRA 623 ( a ) ( 5 ).

The account previously showed a natural disaster remark online and was removed without explanation, showing inconsistent reporting. 
XXXX. XXXX XXXX XXXX XXXX ( {$690.00} ) Experian continues reporting this collection even though the collector has provided no debt validation. 
Reporting as verified without proof violates FCRA 611 and 607 ( b ). 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( {$1800.00} ) Experian labels the account as Consumer disputes after resolution even though no validation was ever provided.

This is inaccurate and misleading, violating FCRA 607 ( b ).

4. Incorrect / Old Addresses Still Showing after I disputed them.

These should have been removed under FCRA 609 ( a ) and 611. 

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$1800.00} ) Equifax reports this collection without any debt validation from the furnisher. 
Marked Consumer disputes after resolution even though there was no resolution.

Violates FCRA 611 and 607 ( b ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( {$690.00} ) Reporting a charge-off without providing proof of the debt.

DOFD appears inconsistent.

Violates FCRA 623 ( a ) ( 5 ) and 611. 
XXXX. XXXX XXXX XXXX ( {$780.00} ) Equifax reports this collection with inconsistent data compared to other bureaus.

No validation was ever provided.

Violates FCRA 607 ( b ).

4. Incorrect / Old Addresses Still Showing Despite disputes and an active fraud alert, Equifax is still reporting multiple outdated or incorrect addresses : These should have been removed under FCRA 609 ( a ) and 611.

5. Incorrect Name Variations Equifax still lists identity-theft-related name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 609 ( e ) and 611. 

TRANSUNION INACCURACIES XXXX. XXXX XXXX XXXXXXXX XXXX ( {$500.00} ) Missing DOFD, violating FCRA 623 ( a ) ( 5 ).

Account history appears incomplete or re-aged. 
XXXX. XXXX XXXX XXXX Incomplete File Disclosure TransUnion shows a hard inquiry from XXXX but does not consistently show the corresponding collection account.

This is an incomplete file disclosure, violating FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$1800.00} ) Marked as verified despite no validation.

Violates FCRA 611 and 607 ( b ). 
XXXX. XXXX XXXX XXXX ( {$780.00} ) Reported inconsistently across bureaus.

No validation provided.

Violates FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief