Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
Experian Information Solutions , Inc., Equifax Information Services, LLC Chronological Timeline of Violations Initial Reporting of Account Violation : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Details : Experian and Equifax reported inaccurate account information without proper verification, relying on unverified data from the furnisher.

First Dispute Filed by Consumer Violation : 15 U.S.C. 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Details : Both CRAs provided automated, generic responses to the dispute instead of conducting a human-led investigation.

Second Dispute Filed by Consumer Violation : 15 U.S.C. 1681n and 1681o Willful and Negligent Noncompliance Details : Experian and Equifax continued reporting unverified information despite repeated disputes, ignoring the consumers medical hardship and legal demands.

Ongoing Reporting of Inaccurate Information Violation : Texas Finance Code 392.304 False or Misleading Information Details : Both CRAs reported false information about the consumers debt, relying on unreliable data from the furnisher.

Failure to Remove Outdated Information Violation : Texas Civil Practice & Remedies Code 16.004 Statute of Limitations Details : Experian and Equifax reported outdated information in violation of Texas law, failing to remove it despite legal demands.

Privacy Violations Violation : 15 U.S.C. 6802 Privacy Protections under the Gramm-Leach-Bliley Act Details : Both CRAs failed to safeguard the consumers personal information, sharing it without proper safeguards.

Summary of Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

3. CFPB Rules and Procedures Violations Metro 2/E-OSCAR Compliance Standards : Failure to follow dispute resolution standards.

CFPB Examination Procedures : Violation of accuracy and dispute resolution guidelines.

4. Texas Consumer Protection Laws Violations Texas Finance Code 392.304 : False or misleading information. Texas Finance Code 392.301 : Deceptive practices. 5. Gramm-Leach-Bliley Act ( GLBA ) Violations 15 U.S.C. 6802 : Privacy protections. 6. Additional Texas Law Violations Texas Business & Commerce Code 9.406 : Unlawful reporting.

Te

xas Civil Practice & Remedies Code 16.004 : Statute of limitations. Conclusion Experian and Equifax have willfully and negligently violated federal and state laws, including the FCRA, FDCPA, CFPB rules, Texas Finance Code, and Gramm-Leach-Bliley Act. Their actions demonstrate a pattern of noncompliance, causing significant harm to the consumer. Immediate corrective action is requ
ired to resolve these violations and prevent further harm. 

Attachments : CFPB Complaint # XXXX Supporting Documentation

Company response to consumer: Closed with non-monetary relief