Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Re : Failure to Investigate Disputes and Allowance of Illegal Reporting Practices Experian, TransUnion, and Equifax To Whom It XXXX Concern : I am filing a formal complaint against Experian, TransUnion, and Equifax for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically regarding their handling of inaccurate, re-aged, and illegally reported collection accounts furnished by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are reporting information that is false, misleading, and in violation of federal law, and the credit bureaus have repeatedly failed to correct these inaccuracies despite multiple disputes. 

XXXX. The Bureaus Allowed XXXX to Report Collections as Open or Newly Opened My credit reports show multiple collection accounts appearing as open, active, or recently opened, even though : I have never opened accounts with these companies Collections are not open credit accounts Debt buyers are not permitted to report these accounts as newly originated credit This misrepresentation violates FCRA 607 ( b ), yet all three bureaus continue to publish the incorrect data. 

XXXX. The Bureaus Allowed Reporting of False Monthly Payments and Missed Payments The XXXX listed above are reporting : Scheduled monthly payments Past due amounts Month-to-month delinquency histories A collection agency can not report monthly payment history or missed payments unless a payment agreement existswhich it does not. 

This creates a false appearance of new delinquency, artificially lowers my XXXX XXXX, and constitutes illegal re-aging. 

Despite my disputes, the bureaus continued allowing this reporting to remain unchanged. 

XXXX. The Bureaus Allowed Incorrect and Manipulated Dates of First Delinquency ( DOFD ) Debt XXXX have repeatedly updated or altered the DOFD, including : Resetting the DOFD to a newer date Making charged-off debts appear recent Extending the reporting period beyond the XXXX limit Under FCRA 623 ( a ) ( 5 ), DOFD can not be altered. 
Despite my disputes, Experian, TransUnion, and Equifax did not correct or verify these errors. 

XXXX. The Bureaus Failed to Properly Investigate My Disputes After submitting multiple disputes, the credit bureaus : Marked the accounts as verified within an unreasonably short period Did not request or review proper documentation Relied on automated responses from the furnishers Ignored my supporting documents and explanations Failed to provide details on how verification was conducted Under FCRA 611, the bureaus are required to conduct a reasonable investigation, and they failed to do so. 

XXXX. Bureaus Allowed Reporting Without Proper Validation Each collector failed to provide : Original creditor documentation The true DOFD Proof of ownership A contract or application with my signature A complete chain of title Yet Experian, TransUnion, and Equifax continued publishing unvalidated information. 

This violates : FDCPA 809 ( b ) ( failure to validate debt ) FCRA 607 ( b ) and 611 ( duty to ensure accuracy and investigate disputes ) XXXX. The Credit Bureaus Are Enabling Systemic Violations By allowing this inaccurate and illegal reporting to remain, despite disputes, the credit bureaus are participating in : The ongoing publication of false information Unlawful re-aging Misrepresentation of account status Failure to reasonably investigate Failure to ensure maximum possible accuracy These actions have caused substantial harm to my creditworthiness and financial opportunities. 

Requested Action from the CFPB I request that the CFPB : Investigate Experian, TransUnion, and Equifax for failing to conduct proper investigations. 

Investigate the XXXX collection agencies involved for illegal reporting practices. 

Require the credit bureaus to obtain actual documentationnot automated responsesbefore verifying disputed information. 

Require removal or correction of all inaccurate, re-aged, or unverified collection accounts. 

Hold all parties accountable for violations of the FCRA and FDCPA. 

I will provide supporting documents, including credit reports, dispute letters, and bureau responses, upon request. 

Thank you for your time and immediate attention to this matter

Company response to consumer: Closed with non-monetary relief