Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX, IA XXXX Subject : IMMEDIATE ACTION REQUIRED FORMAL COMPLAINT AGAINST [ Experian/Equifax/TransUnion ] FOR WILLFUL FCRA VIOLATIONS Dear CFPB Representative, This letter serves as a formal demand for immediate regulatory action against [ Experian/Equifax/TransUnion ] for their blatant, willful violations of the Fair Credit Reporting Act ( FCRA ). Their continued reporting of false and unverifiable information on my credit report is not just a gross display of incompetence but a direct and deliberate attack on my financial well-being. I have made repeated, good-faith efforts to resolve this matter, only to be met with dismissive, automated responses that mock the consumer protection laws they are legally bound to uphold.

I refuse to allow [ Experian/Equifax/TransUnion ] to play games with my financial future. This credit bureau has ignored irrefutable evidence, failed to conduct a proper investigation, and is knowingly allowing false data to remain on my report in clear violation of the law.

Enough is enough. The time for courtesy and patience is overI demand immediate federal intervention. 
Details of the Complaint Disputed Account : XXXX XXXX  XXXX Account XXXX Nature of the Inaccuracy : Incorrect balance, false payment history, wrong status, incorrect date of first delinquency, duplicate or re-aged account Blatant Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) [ Experian/Equifax/TransUnion ] has completely disregarded their legal obligation to verify disputed information, instead relying on an outdated, automated system designed to rubber-stamp inaccurate data rather than actually investigate it.

2. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) They have zero proof that this account is accurate. By law, if they can not verify it, they must delete it. Yet they have refused. This is not a mistakeit is willful noncompliance.

3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The credit bureaus reckless reporting has caused me financial harm, violating their legal duty to maintain the integrity of consumer credit files.

4. Failure to Provide Proper Documentation ( 15 U.S.C. 1681g ) I demanded full verification of this accounts accuracy, and they failed to provide it. This alone is grounds for legal enforcement.

Intentional Harm to Me as a Consumer The damage caused by [ Experian/Equifax/TransUnion ] s reckless and illegal reporting is not theoreticalit is real, measurable, and ongoing. Their misconduct has : Caused me to be unfairly denied credit and financial opportunities.

Raised my interest rates due to an inaccurately reported negative account.

Created undue emotional distress and financial instability.

I refuse to allow them to continue this abuse unchecked. This is a systemic issue, and if the CFPB does not take immediate action, I will escalate my complaints to state and federal enforcement agencies, consumer advocacy groups, and legal professionals prepared to hold these bureaus accountable.

Company response to consumer: Closed with non-monetary relief