Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because all three major credit reporting agencies Experian, Equifax, and TransUnion continue to report inaccurate, incomplete, and unverifiable information on my credit profile despite multiple good-faith disputes and documentation I provided under the Fair Credit Reporting Act ( 15 USC 1681i ). 

After reviewing my recent credit reports, I identified widespread errors affecting accounts, hard inquiries, and personal identifiers. Each bureau failed to maintain accurate reporting, disregarded the documentation I provided, and did not conduct proper reinvestigations in compliance with federal law. The continued reporting of unverifiable and inconsistent data is causing measurable damage to my credit profile and financial stability. 

XXXX. Unverified and Inaccurate Accounts Each bureau continues to report accounts that lack original creditor verification, signed contracts, or itemized account histories. None of the furnishers provided documentation showing I authorized or owe these debts. Despite this, all three CRAs marked the accounts as verified without disclosure of their investigation methods. 

This violates FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) and XXXX ( a ) ( XXXX ), which require the bureaus to reveal how they verified the data. It also breaches FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) ( XXXX ) ( A ) by allowing furnishers to continue reporting information known to be inaccurate after receiving my disputes. 

Additionally, there are Metro2 inconsistencies across bureaus such as mismatched payment histories, differing charge off statuses, and incorrect balance fields which prove the data is not being reported uniformly or accurately as required under the Metro2 reporting standards. 

XXXX. Unauthorized and Unverified Hard Inquiries My credit reports show multiple hard inquiries that I never authorized or consented to. Under FCRA XXXX ( a ) ( XXXX ), no entity may access a consumer report without a permissible purpose. Despite my disputes, the bureaus failed to remove these inquiries or provide any documentation proving my consent. 
These inquiries remain on my record, reducing my credit score and suggesting identity misuse or unauthorized data access, both of which are serious privacy violations. 

XXXX. Inaccurate Personal Identifiers All three bureaus are reporting incorrect or outdated personal identifiers including prior addresses, name variations, and employment data not associated with me. This violates FCRA XXXX ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. 
Inaccurate identifiers create confusion in file-matching algorithms and can result in unrelated accounts being linked to my profile. Despite multiple requests, the bureaus have failed to correct or delete these identifiers, further compounding the inaccuracies in my reports. 

XXXX. Documented Data Breach Exposure I have been confirmed as a victim of multiple data breaches, including the Equifax XXXX XXXX and the XXXX XXXX XXXX, both of which exposed sensitive personal and financial information tied to my identity. 
Given that Equifax was directly responsible for safeguarding consumer data and failed to prevent the breach, the accuracy of my current credit reporting is questionable. 

The ongoing presence of inaccurate accounts, unauthorized inquiries, and incorrect identifiers indicates that my data may have been compromised or misused following these breaches. Under FCRA XXXX and FACTA identity theft protections, the bureaus have a legal duty to apply enhanced verification and protect my file from compromised or fraudulent information. Their failure to do so represents gross negligence and data mishandling. 

XXXX. Failure to Properly Investigate The credit bureaus failed to conduct a lawful reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ) within the required XXXX period. None provided supporting verification materials or source documentation. Instead, they issued form-letter responses falsely claiming verification without proof. 
This behavior demonstrates a systemic failure to comply with the FCRA, FDCPA ( where applicable ), and Metro2 standards of accuracy, which together govern consumer data integrity and furnishers obligations. 

Summary of Legal Violations FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to complete reinvestigation within 30 days FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : Failure to provide method of verification FCRA XXXX ( a ) ( XXXX ) ( A ) and ( b ) ( XXXX ) ( A ) : Reporting inaccurate or unverifiable data after notice of dispute FCRA XXXX ( a ) ( XXXX ) : Reporting inquiries without permissible purpose FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FACTA Identity Theft Protections : Failure to apply heightened verification following confirmed breaches Metro2 Reporting Standards : Non-uniform and inconsistent data across XXXX Requested Resolution I am requesting that the Consumer Financial Protection Bureau : Order Experian, Equifax, and TransUnion to delete all unverifiable and unauthorized accounts. 

Remove all unauthorized hard inquiries that lack permissible purpose or documentation. 

Delete outdated or incorrect identifiers that are not linked to verified data. 

Require the bureaus to provide documentation showing their verification methods. 

Enforce compliance with FCRA, XXXX, and Metro2 standards to prevent continued harm. 

Investigate the link between my data breaches ( Equifax and XXXX  ) and the inaccuracies now appearing on my reports. 

These errors and breaches have directly affected my creditworthiness, caused emotional distress, and impaired my ability to obtain fair credit opportunities. Immediate intervention and full deletions are warranted to restore accuracy and integrity to my consumer file.

Company response to consumer: Closed with non-monetary relief