Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
XX/XX/XXXX - Dispute Letter for CFPB Complaint To Whom It May Concern, This is a formal complaint and dispute submitted against Equifax, Experian, and TransUnion regarding their continued reporting of XXXX XXXX XXXX XXXX XXXX tradelines, despite repeated disputes, CFPB complaints, and clear violations of the Fair Credit Reporting Act ( FCRA ). 
Background & Evidence On multiple occasions I have disputed several XXXX XXXX XXXX accounts that appear on my credit reports under variations such as XXXX XXXX XXXX and XXXX XXXX XXXX These tradelines continue to report as charged off or derogatory despite being disputed for accuracy, completeness, and validity. 
I have attached letters from XXXX XXXX XXXX dated XX/XX/XXXX in which they claim they reviewed all relevant information and concluded their reporting was accurate. These letters are now well over a year old, proving that this inaccurate and harmful reporting has been ongoing since before XX/XX/XXXX. For nearly XXXX years, I have been forced to live with the negative consequences of this false reporting. 
XXXX letters also admit that these loans were charged off and assigned to a third-party collection agency ( XXXX ). Despite this, XXXX continues to report the accounts as if they are still owed directly to them, which is misleading and in direct violation of Metro 2 reporting guidelines. 
Additionally, my credit reports show XXXX accounts reappearing under different names after disputes a deceptive tactic to circumvent deletion. This violates FCRA 607 ( b ) ( duty to assure maximum accuracy ) and 611 ( reasonable reinvestigation ). 
Finally, these accounts were also reported as fraud disputes in my prior filings, yet XXXX ignored this and failed to properly code the accounts as disputed in violation of FCRA 623 ( a ) ( 3 ).

Violations Identified 1. Failure to provide documentation during reinvestigation ( FCRA 611 ). 
XXXX. Misreporting of charged-off debts as still owed while also assigning to collections ( Metro 2 violation ).

3. Relabeling and re-coding of tradelines to avoid deletion ( FCRA 607 ( b ), 611 ).

4. Failure to properly code accounts as disputed despite fraud claims ( FCRA 623 ).

5. Mischaracterization of my 1099-C tax inquiry as an admission of liability, which is false and misleading. 
Impact on My Life Since before XX/XX/XXXX, these inaccurate tradelines have been damaging my credit, preventing me from accessing fair financial opportunities, and significantly harming both my life and the lives of my family. I have filed multiple disputes and complaints, yet the inaccurate reporting continues. This prolonged misconduct has caused severe stress and financial hardship. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief