Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate and correct inaccurate, unverifiable, and misleading information on my credit reports. This ongoing failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as federal regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Despite multiple dispute letters ( submitted in XXXX, XXXX & most recently, XXXX, 2025 ) and my continued good-faith efforts to resolve these issues directly with the credit bureaus, they have refused or failed to take the legally required corrective actions.

Violations & Illegal Actions Identified 1. Failure to Investigate Disputed Information ( FCRA Violation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). The credit bureaus failed to conduct a reasonable investigation into the disputed accounts, which include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Department of EducationXXXX Under the FCRA, credit bureaus are required to investigate disputes within 30 days and provide supporting documentation from the original creditornot just from the debt collector.

Reporting of Unverifiable and Inaccurate Debt ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Credit furnishers can not report information if they know or have reasonable cause to believe it is inaccurate. The bureaus are continuing to report these accounts without proper verification, violating this federal provision.

Re-Aging of Accounts and Misleading Reporting ( FCRA Violation 15 U.S.C. 1681c ) Re-aging of debt to make old accounts appear newer is an illegal practice that extends the reporting period beyond what the law allows. This action negatively affects my credit score and is a deceptive reporting method.

Failure to Mark Disputed Accounts as Disputed ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Even after formally disputing these accounts, the bureaus failed to mark them as disputed by the consumer, which is legally required. This omission misrepresents my credit standing to potential creditors.

Failure to Validate Debt Upon Request ( FDCPA Violation 15 U.S.C. 1692g ( a ) ) Debt collectors and bureaus must provide proper validation upon request.

No original contract containing two wet-ink signatures has been provided as required by law, meaning this debt is unverified and must be removed.

Unlawful Communication & Collection Practices ( FDCPA Violations 15 U.S.C. 1692c & 1692d ( 2 ) ) The debt collector attempted to collect a debt from an incorrect location ( XXXX, VA ), where I do not reside.

They contacted me without my prior written consent, a direct violation of FDCPA regulations.

The use of misleading or coercive language regarding credit reporting also violates 15 U.S. Code 1692d ( 2 ).

Company response to consumer: Closed with explanation