Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Equifax XXXX XXXX, Inaccurate/Unverifiable Accounts, and Child Support Reporting To Whom It May Concern : I am submitting this complaint against Equifax Information Services , LLC for multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 



My Equifax report dated XX/XX/XXXX contains numerous unauthorized credit inquiries, inaccurate or unverifiable negative accounts, and incorrect child support reporting. Under federal law, these items must be corrected or deleted if they can not be fully verified. 

XXXX. Unauthorized Hard Inquiries ( Violates 15 U.S.C. 1681b no permissible purpose ) XXXX XXXX XXXX multiple dates XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX multiple dates XX/XX/XXXX XX/XX/XXXX XXXX XXXXl multiple dates XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXX XXXX multiple dates XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX via Dealer multiple dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX inquiries were never authorized by me. Under XXXX, they must be removed immediately. 

XXXX. XXXX Accounts ( Violates 15 U.S.C. 1681e ( b ) maximum accuracy ; Violates 15 U.S.C. 1681i ( a ) reinvestigation requirement ; Violates 1681c ( a ) outdated information reporting ) Dept of Education ( Student Loans ) multiple accounts reporting 120+ days past due ( XXXX ). Must be verified with full payment history and documentation, or deleted. 

XXXX XXXXXXXX XXXX XXXXXXXX ( Credit Card ) Status : Charge Off, Balance {$220.00}. Last payment XX/XX/XXXX. Must be deleted if unverifiable. 

XXXX XXXX XXXX XXXX ( Secured Card ) Account closed; reported 6089 days past due ( XX/XX/XXXX ). Marked consumer disputes but still showing derogatory. 

XXXX XXXX, XXXX ( XXXX Account ) Closed ; reported XXXX days past due ( XX/XX/XXXX ). XXXX {$0.00} but still derogatory. 

XXXX XXXX ( Collection Original Creditor : XXXX XXXX ) Balance {$3100.00}. First delinquency XX/XX/XXXX. Must be validated or deleted ; collections may only remain 7 years. 



These accounts are either inaccurate, incomplete, unverifiable, or outdated under the FCRA. If the furnishers can not provide full, documented verification within 30 days, Equifax must delete them. 

XXXX. XXXX XXXX XXXX and Bankruptcy ( Violates 15 U.S.C. 1681c ( a ) outdated information ; 1681e ( b ) accuracy requirement ; subject to automatic stay under 11 U.S.C. 362 ) XXXX XXXX XXXX XXXX XXXX Florida Department XXXX XXXX XXXX child support arrears and payments inaccurately on my Equifax report. Some reported balances are incorrect, and payments made on time are not reflected. 

I have filed for Chapter 13 bankruptcy, and under 11 U.S.C. 362, all collection efforts and reporting of debts, including child support obligations, must cease immediately. Any reporting to credit bureaus while my bankruptcy is active is a violation of federal law and the FCRA. 

Equifax must verify all child support reporting against official records and delete any information that is inaccurate, outdated, or violates the automatic stay. 

4. Legal Grounds for Deletion 1681b : No credit bureau may provide inquiries without permissible purpose.

1681e ( b ) : Reports must be maintained with maximum possible accuracy. 1681i ( a ) : CRAs must delete disputed items if they can not be verified within 30 days.

1681c ( a ) : Outdated negative information ( older than 7 years ; 10 for bankruptcies ) may not be reported.

1681s-2 ( b ) : Furnishers must ensure accuracy ; unverifiable accounts must be removed.

11 U.S.C. 362 : Automatic stay prohibits collection or reporting of debts during active bankruptcy. 

Relief Requested I respectfully demand that the CFPB enforce my rights under the FCRA and bankruptcy protections by compelling Equifax to : Delete all unauthorized inquiries listed above. 

Delete or correct all inaccurate, unverifiable, or outdated negative accounts, including child support reporting. 

Immediately cease reporting any child support obligations due to my active Chapter 13 bankruptcy.

Provide me with written confirmation of the results of the reinvestigation.

Enclosures : Copy of Equifax Credit Report ( with items highlighted ) Copy of government-issued ID Copy of proof of address Copy of Chapter 13 bankruptcy filing Thank you for your prompt attention to this matter. 



Sincerely, 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