Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
FORMAL CONSUMER COMPLAINT To : Consumer Financial Protection Bureau ( CFPB ) From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Subject : Failure to Provide Written Investigation Results and Repeated Noncompliance with the Fair Credit Reporting Act ( FCRA ) Against : Experian Information Solutions , Inc . 

TransUnion LLC Equifax Information Services, LLC Summary of Complaint This is a formal complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by Experian, TransUnion, and Equifax. Despite my multiple dispute submissions, affidavits, and certified letters sent beginning in XX/XX/year>, all three credit bureaus have failed to provide a written explanation or documentation of their investigation results within the 30-day period required by federal law. 

I submitted each dispute via XXXX XXXX Mail, with receipts and tracking confirming delivery. Each bureau marked the accounts as verified without providing the evidence or method of verification I lawfully requested. This failure to provide written verification violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires that the consumer reporting agency provide written notice of the results of the reinvestigation, including the business name, address, and telephone number of any furnisher contacted in connection with the dispute. 


Details of Violations 1. Failure to Provide Written Results of Investigation Despite multiple written requests, the bureaus failed to send me the results of their investigations. They continue to report the same disputed items as verified without providing any documentation or proof.

2. Failure to Conduct a Reasonable Reinvestigation Each bureaus responses were identical verified status updates, indicating that no meaningful reinvestigation was conducted in accordance with 15 U.S.C. 1681i ( a ) ( 1 ).

3. Failure to Include Notation of Dispute on Accounts Certain accounts remain listed on my credit file without any notation that they are being disputed, violating 15 U.S.C. 1681c ( f ).

4. Failure to Provide Method of Verification The credit bureaus did not provide the specific sources or contact information of the furnishers used to verify the disputed accounts as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Evidence Provided Copies of each dispute letter sent via XXXX XXXX Mail. 

XXXX receipts and delivery confirmations. 

Affidavit of truth and dispute statements dated XX/XX/year>. 

Copies of emails and communications received from Experian.

Relief Requested I respectfully request that the CFPB : 1. Investigate Experian, TransUnion, and Equifax for violating my rights under the FCRA.

2. Require each bureau to provide written documentation of their investigation and verification process.

3. Ensure removal or correction of any unverifiable or inaccurate accounts from my credit reports.

4. Impose penalties or corrective actions for continued noncompliance.

Reservation of Rights I have acted in good faith and provided all required documentation. However, I reserve all rights to pursue civil remedies or other legal action should Experian, TransUnion, or Equifax continue to violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 


Signed and Affirmed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation