Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Failure to Remove Invalid Spring Oaks Tradeline After Civil Lawsuit Equifax, Experian, TransUnion 1. Summary of the Issue This complaint is submitted against Equifax, Experian, and TransUnion for continuing to report and verify a tradeline furnished by XXXX XXXX XXXX XXXX XXXX, despite irrefutable evidence that the account is a business-purpose loan and never legally eligible to appear on a personal credit report. 

2. Background I previously submitted mailed disputes to all three CRAs on XXXX XXXX XXXX, and filed a CFPB complaint on XXXX XXXX XXXX, which was split and assigned the following case IDs : Equifax Complaint # XXXX Experian Complaint # XXXX TransUnion Complaint # XXXX Each CRA responded, confirming the dispute was completed, and provided final results either by mail or electronically. The core issue remains unresolved : the account reflects a commercial loan, not a personal obligation. 
The original lender was XXXX XXXXXXXX XXXX, and the loan agreement designates the account as a commercial loan multiple times within the first four pages. XXXX XXXX XXXX XXXX XXXX has failed to provide proof of ownership or authority to furnish this account for personal credit reporting. 

3. New Development Civil Litigation Filed On XXXX XXXX XXXX, I initiated a civil lawsuit in XXXX XXXX XXXX XXXX against both : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX, Case Index # : XXXX The complaint alleges 17 properly documented legal violations under : The Fair Credit Reporting Act ( FCRA ), The Truth in Lending Act ( TILA/Regulation Z ), New York General Business Law 349 , and NYC Administrative Code 20-490. 
The defendants are being sued for unlawful reporting and failure to correct or remove an invalid business-purpose tradeline from my consumer file. 

4. This Is Not a Re-Dispute This complaint is not a re-dispute. The CRAs have already issued their results and closed the disputes. Any classification of this complaint as a re-dispute is false. 
This is a formal pre-litigation demand filed after the dispute process has concluded. It arises due to the CRAs failure to provide required documentation under FCRA, despite : My initial mailed dispute, My prior CFPB complaints, and Written follow-up requests to each CRA. 

5. Third Formal Request Statutory Obligations This submission constitutes my third formal request for documentation under : FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ( method of verification ), FCRA 1681g ( a ) ( full file disclosure ), and FCRA 623 ( a ) ( 3 ) ( duty to not report inaccurate or unverifiable data ). 
The CRAs obligation to provide verification documentation within 15 days of concluding the dispute has already passed. My prior formal requests and the CRAs failure to comply have been documented multiple times. 

6. Demand and Response Requirement The CRAs must now respond with one of two options : 1. Provide the full reinvestigation and verification documentation for the XXXXXXXX XXXX account, OR 2. Confirm that the account has been permanently deleted. 
Any other reply will be treated as an acknowledgment of this pre-litigation notice and may be used in litigation as evidence of willful non-compliance or obstruction.

7. Attached Exhibits Only two supporting documents are attached to this complaint : Exhibit A Filed Civil Court Summons and Endorsed Complaint ( XXXX ) Exhibit B Business Loan Agreement ( First 4 Pages, Annotated Commercial Designation ) No additional documents are included, as the CRAs are already in possession of prior disputes and CFPB complaint records. 

WARNING Civil Litigation Against CRAs Will Follow I have been carefully documenting numerous violations by each CRA. Despite the evidence, prior disputes, and CFPB intervention, the tradeline continues to be reported and verified. 
This constitutes willful non-compliance under the Fair Credit Reporting Act. 
Let this complaint serve as final notice : If any CRA fails to provide the reinvestigation documentation or delete the account in accordance with this formal request, I will initiate civil litigation directly against that CRA without further warning. 

Final Note to CFPB This complaint is legally distinct and not a re-dispute. It puts all three CRAs on notice of active litigation, failed compliance with FCRA disclosure rules, and the intent to escalate enforcement through the courts. I respectfully request that the CFPB monitor their response and hold each CRA accountable under the law.

Company response to consumer: Closed with explanation