Consumer complaint received 2025-07-09 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 filing this formal complaint against TransUnion for continued willful and negligent reporting of inaccurate, unverifiable, outdated, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my rights under 15 U.S.C. 1681 and related laws. Despite my previous efforts to have these matters investigated and resolved, TransUnion has failed to uphold its legal obligations to ensure maximum possible accuracy and to conduct a proper reinvestigation under 15 U.S.C. 1681i. I am suffering significant emotional and financial harm due to these unlawful reporting practices. 
XXXX XXXXXXXX * * * * * * * * Charge-Off Date Opened : XX/XX/XXXX Balance Owed : {$250.00} * * Issue : This account is reported as a charge-off but lacks any supporting documentation. I was never served with a written notice, billing statement, or agreement related to this debt. 
Law Violated : FCRA 1681i ( failure to investigate ), FDCPA 809 ( b ) ( failure to validate debt ).

Story : I became aware of this account only after checking my credit report. There is no record of prior billing, delinquency notices, or contractual consent from me. This suggests either a fraudulent account or gross negligence in verification before reporting. XXXX failure to validate this debt after dispute is a clear breach of their investigative responsibilities. 
XXXX XXXX XXXX * * * * Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$3.00} * * Issue : Reporting a {$3.00} late payment is petty, harmful, and misleading. It disproportionately affects my credit score and public perception. 
Law Violated : FCRA 1681e ( b ), 1681i ( inaccurate and misleading reporting ).

Story : This minimal balance was never communicated as delinquent, and I was not notified of any past due status. This feels like targeted damage for a negligible amount, especially as I have made consistent payments. Reporting this as a late payment is vindictive and malicious, and undermines the spirit of fair credit assessment.

Unauthorized Hard Inquiries Issue ( common to all inquiries ) : I did not authorize these inquiries. Many were conducted without my knowledge or any permissible purpose, damaging my credit score and violating my privacy. 
Law Violated : FCRA 1681b ( c ) No permissible purpose, no written authorization. 
Model Fin XX/XX/XXXX Story : I never applied for any credit or service with this entity. I did not grant authorization or initiate this inquiry. This inquiry caused a drop in my credit score and reflects a systemic failure to protect my consumer profile. 
XXXX XXXX XX/XX/XXXX Story : I did not apply for financing or services through XXXX. No application was submitted, and this inquiry appears completely unauthorized. 
XXXX XXXX XXXX XX/XX/XXXX Story : I had no dealings with XXXX during this time. This is a clear breach of FCRA privacy and resulted in a score drop. 
XXXX XXXX, GLOBAL LENDING SERVICE, ALLY FINANCIAL, NOWCOM/WESTLAKE, XXXX, XXXX, XXXX, XXXX XXXX LL All on XX/XX/XXXX or XX/XX/XXXX Story : None of these inquiries were approved by me. I have not shopped for auto loans or services on these dates. The sheer volume of inquiries suggests either unauthorized access or synthetic fraud. 
CREDIT XXXX BANK NA XX/XX/XXXX Story : I never authorized this pull. I have not interacted with XXXX XXXX Bank and never gave consent for a hard inquiry. 
ALLY FINANCIAL XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX PORTFOLIO SVC XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX DEPT OF XXXX XX/XX/XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX XXXX XXXX CAR XXXX XXXX XXXX XXXX, XXXX, XXXX All on XX/XX/XXXX DEPT OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEFI/ARIVO ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CONNECTION XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Story : None of these inquiries were initiated by me. They were not authorized, not consented to, and continue to damage my credit reputation. These repeated unauthorized hard pulls XXXX indicate identity theft or failure by TransUnion to enforce protective protocols such as fraud alerts. FCRA requires written consumer consent, which was not obtained for any of the above. 
I am requesting that the CFPB investigate these matters fully and require TransUnion to delete all inaccurate accounts, inquiries, and personal address information from my credit report. I further request punitive action against TransUnion for repeated, willful noncompliance with the FCRA and failure to investigate under XXXX, and I seek compensation for damages caused by these inaccuracies, which continue to impact my employment, housing, and financial opportunities.

Company response to consumer: Closed with non-monetary relief