Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I demand immediate intervention against Experian, XXXX, and XXXX for repeatedly violating the Fair Credit Reporting Act ( FCRA ) by : Illegally re-aging accounts to make them appear newer than they actually are, which artificially lowers my XXXX XXXX Falsely reporting late payments that never occurred Failing to restore my XXXX XXXX after removing false information Suppressing my XXXX XXXX for years despite positive payment history I am demanding that my XXXX XXXX be restored to XXXX immediately, as my current score does not reflect my true creditworthiness due to years of unlawful reporting and suppression tactics. 

These bureaus are deliberately engaging in score suppression tactics, preventing me from reaching my rightful XXXX XXXX. 

1. XXXX & EXPERIAN ARE RE-AGING ACCOUNTS TO DROP MY SCORE Both Experian and XXXX have manipulated the reported age of multiple accounts, making them look newer than they actually are. 

This shrinks my credit age, which lowers my XXXX XXXX. 
It also makes old negative accounts appear recent, falsely signaling to lenders that I have new delinquencies. 
This is a direct violation of FCRA 1681c ( a ). 
I demand that these re-aged accounts be permanently removed and my XXXX XXXX recalculated based on accurate data. 

2. EXPERIAN XXXX XXXX ARE REPORTING FALSE LATE PAYMENTS I have XXXX late payments, yet Experian and XXXX continue to report false late/missed payments on multiple accounts : XXXX  FALSE late payments for XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX FALSE late payments for XXXX XXXX ( Payments were auto-drafted ) XXXX XXXX FALSE late payments for XXXX, XXXX & XX/XX/XXXX ( Lender confirmed no late payments occurred ) XXXX University FALSE late XXXX for over 6 months, causing me to lose a XXXX school scholarship FCRA 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information, yet these false late payments remain on my report. 

I demand these inaccuracies be corrected immediately, and my score recalculated to reflect the removal of these negative items. 

3. EXPERIAN & XXXX HAVE ILLEGALLY REINSERTED ACCOUNTS Under FCRA 1681i ( a ) ( 5 ) ( B ), when an item is removed from a consumers credit file, it CAN NOT be reinserted without proper notice. 

XXXX XXXX was previously deleted by XXXX, yet Experian & XXXX refused to remove it and later reinserted it without notice. 
XXXX XXXX XXXX was deleted, but reinserted by XXXX, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
This is proof that Experian XXXX XXXX are unlawfully manipulating my credit report. These accounts must be permanently deleted. 

4. MY XXXX XXXX HAS BEEN SUPPRESSED FOR YEARS IT MUST BE RESTORED TO XXXX For over XXXX  years, my XXXX XXXX has been artificially kept under XXXX despite : No late payments on loans or credit cards No outstanding delinquencies or collections Positive payment history When false information is added, my score drops XXXX points. 
When false information is removed, my score barely recovers. 
This is clear evidence of credit suppression. 

If the bureaus had properly corrected my reports over the past XXXX years, my XXXX XXXX would already be at XXXX. 

I demand that my XXXX XXXX be immediately recalculated to reflect where it should be based on the removal of inaccurate data. 

5. FINANCIAL DAMAGES CAUSED BY EXPERIAN, XXXX, & XXXX Because of these violations, I have suffered : Loss of a XXXX school scholarship due to Experians false late payment reporting Lost access to better financial opportunities & loans Inability to qualify for housing due to incorrect negative reporting These credit bureaus have cost me thousands of dollars, and I am demanding monetary relief. 

FINAL DEMANDS CFPB MUST FORCE COMPLIANCE I am demanding immediate CFPB intervention to force Experian, XXXX, and XXXX to : Immediately and permanently delete ALL re-aged and unlawfully reinserted accounts. 
Correct my XXXX XXXX to XXXX to reflect the removal of false negative reporting. 
Provide a full procedural description of how my score has been calculated, given that it has never recovered after deletions. 
Issue monetary relief for the financial harm caused by their illegal actions. 
Stop all re-aging and credit suppression tactics. 

Failure to comply will result in further legal escalation, including a lawsuit against all three credit bureaus for reckless FCRA violations. 

THIS IS FINAL NOTICE.

Company response to consumer: Closed with non-monetary relief