Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). 
You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.

Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.

You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 
XXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled " Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting " under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. 


Experian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. 

Over-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. 

Failure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. 

" Sham investigations '' : The CFPB has specifically accused Experian of conducting " sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.

Mixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.

Impact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. 

Christian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.

Nikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. 


Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. 
Company responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. 
XXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. 

Submit your feedback Closed The CFPB has closed your complaint. 
Privacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? 
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US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail

Company response to consumer: Closed with explanation