Consumer complaint received 2025-06-20 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:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX Subject : Follow-Up Complaint : Inaccurate Credit Reporting by Experian Failure to Remove or Correct Multiple Items Description of Issue : I am submitting this follow-up complaint to report Experians failure to correct inaccurate, misleading, or unverifiable items on my credit report, despite a formal dispute submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Summary of Unresolved Issues After Reinvestigation : 1. Public Record - XXXX BKPT XXXX  TX XXXX ( REF # XXXX ) : Experian reports this bankruptcy as verified. However, I requested documentation validating the legal accuracy of the record, and none was provided. I believe this item is being reported improperly and is outdated or inaccurate per 15 U.S.C. 1681c.

2. XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) : This account reflects a bankruptcy status despite no substantiated court or creditor documents being provided. Experian states the furnisher verified it but offers no documentation. This is in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which requires deletion if verification can not be substantiated. 
3. XXXX XXXX ( Acct # XXXX ) : Account status was updated but remains inaccurate. It is marked as discharged through bankruptcy, yet Experian includes negative payment history. This is misleading and violates 1681e ( b ) regarding maximum accuracy.

4. XXXX XXXX XXXX XXXX XXXX  ( Acct # XXXX XXXX XXXX ) : I disputed this reporting due to ongoing legal proceedings, constitutional violations, and inaccurate balance information. The account remains with 180 days past due status despite being legally contested. No supporting documentation was provided by the furnisher, and this item continues to damage my credit unfairly. 
5. XXXX XXXX XXXX ( Acct # XXXX ) : Although marked as discharged in bankruptcy, Experian continues to display charge-offs and collections that should have been removed or suppressed post-discharge. This violates the bankruptcy discharge protections and reporting accuracy under 1681c ( a ) ( 1 ).

Violations Cited : Failure to properly reinvestigate disputes ( FCRA 1681i ) Continued reporting of unverifiable/incorrect data ( FCRA 1681e ( b ) ) Failure to remove or suppress bankruptcy-related delinquency data post-discharge Inaccurate reinsertion of outdated/obsolete tradelines Requested Resolution : Deletion or suppression of all inaccurate, misleading, or unverifiable data listed above Formal written explanation from Experian and each furnisher detailing the methods of verification Monetary damages for ongoing harm, including loss of housing and financial hardship due to negative reporting Supporting Documents : Attached : Experians XX/XX/year>, Dispute Results ( Report # XXXX ) I respectfully request the CFPB conduct a full investigation into Experians failure to comply with the Fair Credit Reporting Act and take enforcement action as necessary.

Company response to consumer: Closed with non-monetary relief