Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am filing this complaint because TransUnion ( as well as Experian and Equifax ) have failed to conduct proper reinvestigations of my disputes under the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and unverifiable accounts. Despite multiple disputes and notices, the credit reporting agencies have refused to provide original signed contracts or lawful verification of the accounts. 
Instead, they have relied on parroting data from furnishers through the automated e-Oscar system, which courts have ruled does not satisfy the FCRAs reinvestigation requirements. This failure is compounded by TransUnions recent data breach, which demonstrates their mishandling of consumer data while continuing to report unauthorized, unverifiable accounts. 
Accounts in Dispute : XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX XXXX/ XXXX  Bank : Acct # XXXX XXXX XXXX XXXX/ XXXX  Bank : XXXX XXXX XXXX  XXXX : Acct # XXXX Violations of Law and Consumer Rights : Failure to Reinvestigate Parroting Data TransUnion and the other CRAs rely on parroting data from furnishers instead of performing a real reinvestigation.

Roberts v. Carter-Young , Inc. and Norman v. TransUnion LLC both ruled that parroting is not a lawful reinvestigation.

This violates 15 U.S.C. 1681i ( 5 ) ( A ), which requires deletion of information that can not be verified.

No Permissible Purpose Under 15 U.S.C. 1681b and 1681e ( a ), CRAs may only furnish consumer reports with a permissible purpose. 
Without a wet-signed contract authorizing the furnisher, they have no permissible purpose to publish or distribute these accounts. 
Failure to Produce Contracts Under UCC 3-401 & 3-403, liability on negotiable instruments requires a signature.

None of the CRAs or furnishers have produced original signed contracts establishing liability.

Failure to Reinvestigate TransUnion admitted it can not reinvestigate at this time.

This is an outright violation of the FCRAs reinvestigation requirements under 15 U.S.C. 1681i.

Mishandling of Consumer Data Data Breach TransUnion recently suffered a major data breach compromising consumer information. 
At the same time, they continue to mishandle my data by reporting inaccurate, unverified, and unauthorized accounts. 
This raises serious concerns of both negligence and willful misconduct. 
Harm Suffered : I am being denied fair and accurate credit reporting. 
These inaccurate and unverified accounts are harming my ability to obtain housing and credit. 
My privacy rights have been violated through the reporting and publication of unverifiable data, compounded by the recent TransUnion data breach. 
Requested Resolution : I respectfully request that the CFPB require TransUnion, Experian, and Equifax to : Immediately delete all disputed accounts listed above. 
Provide written confirmation of the deletions. 
Cease and desist from publishing or reporting my data without proper legal authorization.

Be held accountable for violations of : 15 U.S.C. 1681i ( 5 ) ( A ) ( failure to reinvestigate and delete unverifiable data ) 15 U.S.C. 1681n and 1681o ( civil liability for willful and negligent noncompliance ) Related federal protections regarding data security and consumer rights.

Company response to consumer: Closed with explanation