Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am filing this complaint against the national credit reporting agencies Experian, Equifax, and TransUnion for their failure to maintain maximum possible accuracy, negligent and willful violations of the Fair Credit Reporting Act ( FCRA ), and noncompliance with Metro 2 data-furnishing standards. Despite repeated disputes and supporting documentation, these agencies continue to report inaccurate personal information, unauthorized inquiries, and unverifiable derogatory accounts in violation of 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

2. Background Information My name is XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX. 
SSN : XXXXDOB : XX/XX/XXXX Between XXXX and XX/XX/XXXX, I submitted formal dispute letters to Experian , Equifax , and TransUnion . Each bureau was provided with copies of my valid drivers license and Social Security card for verification, in compliance with 16 CFR 682.3, and was instructed not to retain them. Despite this, the bureaus failed to perform lawful reinvestigations, continued publishing inaccurate data, and ignored required consumer verification procedures. 

3. Violations of the FCRA and Metro 2 Standards A. Inaccurate Personal Information All three bureaus are reporting incorrect identifiers, violating FCRA 1681e ( b ) ( maximum possible accuracy ). 
The agencies have listed wrong addresses including XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, XXXX TX XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX which are not valid or deliverable. 
They also reported incorrect name variations, such as XXXX XXXX XXXX and XXXX, XXXX XXXX, and attached wrong employers, including XXXX and XXXX. 
These data elements violate Metro 2 fields BS-30 through BS-44 and constitute mismatched consumer identifiers that have caused credit denials and confusion. 

B. Unverified or Fraudulent Accounts Each bureau continues to report multiple accounts without verifying the existence of any original signed consumer contract as required under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ( A ). 
Among the accounts in dispute are XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several duplicate U.S. Dept of Education ( GSL/ATL ) entries. 
These tradelines display inconsistent statuses paid, closed, derogatory, and charge-off across the three bureaus and can not be substantiated through verifiable documentation. 
Such discrepancies breach the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) requirements mandating field-level uniformity and verified accuracy across all credit reporting agencies. 

C. Improper Handling of Disputes All three bureaus delayed or ignored my disputes, claiming possible third-party assistance. 
This is a direct violation of FCRA 1681i ( a ) ( 1 ) and 1681i ( 5 ). 
My notices explicitly stated that any assistance received was fully authorized, and that there is no statutory basis to delay disputes due to advisor involvement. Their refusal to investigate represents willful disregard of consumer rights. 

D. Lack of Verification Results Despite submitting certified-mail disputes with full identity verification, I received no proper reinvestigation results within 30 days, as required under 1681i ( a ) ( 1 ) ( A ).

None of the bureaus provided the documents or proof of verification supporting their continued reporting. 
This omission obstructs my right to review and challenge the accuracy of their data, breaching both the procedural and transparency standards mandated by the FCRA. 

4. Impact and Harm These repeated reporting failures and delays have caused measurable harm.

I have suffered credit denials, emotional distress, and obstacles securing stable housing. 
Inaccurate identifiers have exposed me to the risk of identity confusion and potential data-breach misuse. 
The persistence of unverifiable accounts has damaged my credibility and financial reputation, contrary to the intent of the FCRA to ensure fairness and accuracy.

5. Relief Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : Conduct an immediate investigation into Experian, Equifax, and TransUnion for violations of FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Order the permanent deletion of all unverifiable or inaccurate accounts. 

Correct my identifying information to reflect : Name : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXXDOB : XXXXSSN : XXXX Require full compliance with Metro 2 data standards for all furnishers and reporting agencies. 

Impose civil penalties for repeated failure to meet reinvestigation and accuracy standards. 

Mandate written confirmation that all corrections and deletions are completed within 30 days of this complaint. 

6. Supporting Evidence Certified dispute letters dated XX/XX/XXXX to all three bureaus. 

Copies of ID and SSN verification ( submitted solely for identity verification, per 16 CFR 682.3 ). 

Credit reports from each bureau XXXX XXXX XXXX XXXX XXXX showing mismatched and duplicative data. 

Warning letters referencing 15 U.S.C. 1681i violations and failure to reinvestigate within statutory timelines.

7. Conclusion The continued inaccurate and unverifiable reporting by these credit bureaus constitutes a pattern of willful noncompliance under FCRA 616 and 617. 
I request that the CFPB compel immediate corrective action, enforce compliance penalties, and ensure permanent removal of all invalid information to restore the accuracy and fairness of my consumer credit record.

Company response to consumer: Closed with non-monetary relief