Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have failed to properly investigate or correct multiple inaccurate items on my credit reports, despite my formal disputes, and are continuing to publish false, unverifiable, and legally non-compliant information. 

1. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION Under FCRA 1681i, the credit bureaus must perform a reasonable reinvestigation when I dispute an item. 
Despite my written disputes ( sent XX/XX/XXXX ), all three bureaus continue to report inaccurate, mixed, or incomplete data, and none provided any Method of Verification as required under FCRA 1681i ( a ) ( 7 ). 

I specifically requested : The name and contact information of the furnisher The documentation used to verify the accounts Proof of furnisher compliance under FCRA 1681s-2 No bureau provided this required information. 

2. INACCURATE PERSONAL INFORMATION PUBLISHED ACROSS ALL THREE BUREAUS All three bureaus are reporting personal identifiers that do not belong to me, including : Incorrect names ( XXXX XXXX / XXXX XXXX ) Incorrect addresses Incorrect and outdated personal data that does not match my identity These errors violate FCRA 1681e ( b ), which requires accurate and up-to-date file maintenance. 

Because of the Equifax and XXXX XXXX XXXX breaches, my personal information has been compromised, and their failure to correct identifiers increases my risk of identity theft and mixed-file damage. 

3. UNVERIFIED COLLECTION ACCOUNT XXXX XXXX XXXX ( XXXX * * ) * * All three bureaus continue to report a XXXX collection account, even though : No bureau has provided any contract, application, or signed agreement linking me to this debt. 

The account contains multiple Metro-2 reporting violations ( discrepancies in dates opened, last active, payment status, and reporting pattern ). 

The bureaus refused to provide Method of Verification. 

Information reported differs between the bureaus, confirming inconsistent and unreliable data. 

Under the FCRA and Metro-2 standards, an item must be accurate, complete, timely, and verifiable. 
This account fails all four requirements.

4. TRANSUNION IS REPORTING AN UNAUTHORIZED INQUIRY XXXX ( XX/XX/XXXX ) TransUnion is reporting an inquiry from XXXX  dated XX/XX/XXXX, which I did not authorize. 
I did not apply for credit, grant permission, or provide any signed consent. 

This violates : FCRA 604 Permissible Purpose FCRA 616 Willful Noncompliance FCRA 617 Negligent Noncompliance I notified TransUnion in writing that this inquiry was unauthorized, but they continued publishing it despite identity-theft concerns and proven data breach exposure. 

5. ALL THREE BUREAUS ARE IN WILLFUL NON-COMPLIANCE ( FCRA 1681n ) Because the bureaus : Ignored my disputes Failed to provide MOV Continued publishing false data Reported mixed-file personal identifiers Published an unauthorized inquiry ( TransUnion ) Failed to ensure accuracy under Metro-2 standards Their actions constitute willful and negligent non-compliance under FCRA 1681n and 1681o.

Requested CFPB Resolution I am requesting that the CFPB require all three credit bureaus to : Delete the XXXX collection account ( XXXX XXXX XXXX XXXX XXXX XXXX due to lack of verification and inconsistent reporting. 

Delete the unauthorized XXXX inquiry reported by TransUnion. 

Remove all incorrect names, addresses, DOB inaccuracies, and mixed identifiers. 

Provide full documentation of verification, as required by FCRA 1681i ( a ) ( 7 ). 

Issue corrected consumer reports reflecting accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation