Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this formal complaint due to the continued failure of the three nationwide credit reporting agenciesExperian, Equifax, and TransUnionto correct numerous, highly damaging errors on my consumer credit reports, despite prior disputes and submissions of supporting evidence. These issues are causing me profound financial harm, emotional distress, and denial of credit opportunities. The actions ( or inactions ) of these agencies constitute repeated and willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
A. Incorrect and Duplicated Addresses : My credit file wrongly includes the following addresses, none of which I have ever lived at or been associated with : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX These listings suggest identity confusion or data merging errors and are in direct violation of 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
B. Duplicated and Misreported Accounts : Several tradelines are either duplicated, outdated, or inaccurately described XXXX XXXX XXXX XXXX  Reported twice with different balances and dates : once as a {$810.00} charge-off ( opened XX/XX/XXXX ), and again as a {$720.00} late-payment ( opened XX/XX/XXXX ). 
XXXX XXXX XXXX Reports a charge-off of {$2500.00} without proper validation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX All are reporting late payments without evidence of delinquency, violating 1681i ( reinvestigation obligations ) and 1681s-2 ( b ) ( duties of furnishers to report accurately ). 
C. Falsely Reported Bankruptcy : XXXX XXXXXXXX XXXX MD XXXX # XXXX There is no bankruptcy record under my name. Including this defamatory public record entry with no substantiation is not only grossly negligent but a direct violation of 1681e ( a ) and 1681c. 
D. Unauthorized and Excessive Hard Inquiries : My credit file contains over a dozen hard inquiries I never authorized, including : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX / XXXX XXXX XXXX multiple dates ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( all XX/XX/XXXX ) These inquiries were not initiated or approved by me, and the bureaus failed to verify consent as required under 1681b ( c ). They negatively impact my credit score and imply unauthorized access to my personal data. 
Personal Impact : These inaccuracies have already led to multiple credit denials, loss of housing opportunities, and at least two job rejectionssituations where background checks or credit reviews played a decisive role. Emotionally, the ongoing misreporting has caused anxiety, sleep disruption, and distress as I face constant uncertainty over decisions made based on false information. 
Remedies Requested : I am seeking the CFPBs urgent intervention to ensure that : 1. All erroneous and duplicated addresses are permanently removed.

2. All disputed and misreported accounts are corrected or deleted.

3. The unsubstantiated bankruptcy record is removed.

4. All unauthorized and excessive inquiries are deleted.

5. All bureaus are compelled to comply with the reinvestigation timelines and documentation standards as required by FCRA 1681i, 1681e, and 1681s-2.

Enclosures & Evidence : I have attached copies of my prior dispute letters, current credit reports from all three bureaus, government-issued ID, proof of residency, and records showing the harm caused by these inaccuracies. Further documentation is available upon request.

Please let me know once this complaint has been accepted for review. I am prepared to take legal action under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) if this matter is not resolved promptly.

Company response to consumer: Closed with non-monetary relief