Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
This complaint is being filed against all three major credit reporting agencies Equifax, TransUnion, and Experian for multiple, ongoing, and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as related consumer protection statutes. This is not limited to, but includes violations of : 1681i failure to conduct a reasonable reinvestigation of disputed information ; 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681g failure to provide all information in a consumer 's file upon request ; 1681s-2 ( b ) failure to delete inaccurate, incomplete, or unverifiable information after notice of dispute.

All three agencies are knowingly reporting a foreclosure tradeline linked to XXXX XXXX XXXX, despite the absence of lawful service of process, any verifiable judgment, or a valid foreclosure. I was never legally served any court order or writ of possession. I was forced out of my home under color of law, with no legal remedy or due process afforded. This alone makes the reported foreclosure patently false and defamatory. 

I have submitted supporting documentation including public certified court documents showing that no legal foreclosure was completed in compliance with Texas law. Yet all three bureaus continue to verify the false information with XXXX, without requiring any meaningful proof or documentation. 

Experian, in particular, has taken retaliatory and harmful actions. They fraudulently flagged my PO Box as suspicious, even though it is a valid and consistent part of my identity and official correspondence. More disturbingly, they merged my sons Social Security Number into my credit file following a joint car loan inquiry a gross violation of FCRA accuracy and privacy protections. This has created additional risk and confusion in my file, and no corrective action has been taken despite my disputes. 

Further, I sent certified and notarized letters directly to XXXX XXXX XXXX XXXX demanding a full accounting of the alleged debt, legal chain of title, and supporting documents including ledgers and proof of lawful foreclosure. XXXX failed to respond in any form. There has been no itemized accounting, no legal substantiation, and no documents returned in response to my lawful demand for validation. Despite this, all three bureaus claim the tradeline was verified a clearly impossible result in the face of silence. 

TransUnion and Equifax updated my credit report only to insert irrelevant trended data or consumer statements, but refused to remove the core inaccurate account. Experian, on the other hand, initially marked my CFPB complaint as pending, then internally posted a message that they were working on a response only to ultimately confirm the false information and deny correction. 

This conduct has been willful, deceptive, and malicious. I have given every opportunity to resolve this through the formal dispute channels. These bureaus continue to play procedural games stalling on the CFPB portal while internally closing disputes in an attempt to wear down consumer rights. 

Let me be absolutely clear : No further request for correction will be made. Each credit bureau named herein Equifax, TransUnion, and Experian will be met with individual federal litigation for their independent violations of law, failure to investigate, and continued willful reporting of false information. XXXX XXXX XXXX XXXX will also face federal action as the originating furnisher of the false data and for failing to respond to lawful requests for validation and accounting. 

Respectfully, and Without Prejudice, XXXX XXXX XXXX All Rights Reserved UCC1-308 / UCC1-304 Agent for XXXX XXXX XXXX Without Recourse, Signed this day electronically and with full reservation of rights

Company response to consumer: Closed with non-monetary relief