Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Despite my previous written disputes submitted directly to TransUnion, Equifax, and Experian ( copies enclosed ), none of the agencies responded within the XXXX period required under federal law. Furthermore, none of the agencies provided written disclosure of the method of reinvestigation within the additional XXXX statutory period as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
As of the date of this complaint, it has now been over XXXX XXXX since those disputes were properly submitted, with no formal response or resolution. This prolonged inaction constitutes a willful violation of the FCRA, subjecting the credit bureaus to civil and punitive penalties under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance. 
Derogatory Accounts The derogatory accounts listed below are being reported by third-party debt collectors, not the original creditors. 
Specifically, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are collection agencies attempting to collect on alleged debts. Under 15 U.S.C. 1681i ( a ), the credit bureaus were required to verify the validity of these accounts directly with the original furnishers and complete their reinvestigation within XXXX XXXX. Failure to verify such accounts with original documentation violates the FCRA. 
Reported on TransUnion : XXXX. XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Opened : XX/XX/XXXX - Status : Placed for collection - Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX - Balance : {$690.00} - Opened : XX/XX/XXXX - Status : Placed for collection - Account # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Reported on Experian : XXXX. XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Opened : XX/XX/XXXX - Status : Collection account - Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX Not Reported on Equifax : These discrepancies indicate fragmented or inconsistent reporting in violation of 15 U.S.C.

1681e ( b ). 
Hard Inquiries Listed Without Authorization Pursuant to 15 U.S.C. 1681b ( f ), no person shall obtain a consumer report unless it is obtained for a purpose authorized by the FCRA. Inquiries listed below were not authorized and must be deleted. 
TransUnion : - XXXX XXXX - XX/XX/XXXX - XXXX. XXXX  XXXX, XXXX, XXXX XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX. XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX - XX/XX/XXXX - XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX- XXXX, XXXX - XX/XX/XXXX - XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX Equifax : - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX Identity Theft and Supporting Documentation I am a documented victim of identity theft. My FTC Identity Theft Report number is XXXX. Supporting documentation includes : - FTC Identity Theft Report - State-issued ID - Proof of residency - Statement of facts Under 15 U.S.C. 1681c-2, bureaus must delete identity theft-related information within XXXX business days of receiving proper documentation. 
Legal Violations - FCRA 1681i ( a ) - Failure to reinvestigate disputed items within XXXX XXXX - FCRA 1681e ( b ) - Failure to ensure accuracy - FCRA 605B - Failure to block identity theft items- Regulation F - Failure to cease reporting after notice - FDCPA 1692k - Deceptive or misleading practices - FCRA 1681n & 1681o - Civil liability for willful or negligent noncompliance - XXXX XXXX Experian Info. XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Demand for Formal Relief I demand : - Immediate deletion of unauthorized accounts and inquiries under 15 U.S.C. 1681b ( f ) and 1681c-1 ( b ) ( 3 ) - Documentation of investigation and method - Cease and desist re-reporting unverified data - Deletion of accounts from : * XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX * XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX - Deletion of inquiries from listed institutions Once an item is found unverifiable or inaccurate, it may not be updated. This is affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Continued reporting after this point is unlawful.

Company response to consumer: Closed with explanation