Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. 3. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See attached PDF Attachment XXXX Account Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXXXXXX XXXX  today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. 

Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having?

Inactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company?

Yes Did you request information from the company?

No Type of Issue Their investigation did not fix an error on your report What happened? 
1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. XXXX. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached PDF Attachment XXXX XXXX Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX  never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXX XXXX today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

FAIR RESOLUTION & OUTCOME DEMAND Complainant : XXXX XXXX XXXX Date : XX/XX/XXXX Desired Outcome / Fair Resolution : Immediate Deletion of All Inaccurate Negative Tradelines All negative tradelines listed in Attachment A must be fully removed from my credit reports at Experian, Equifax, and TransUnion. Accounts re-aged, misreported, or showing XXXX balances as derogatory must be corrected to reflect accurate status as of the original dates of delinquency or closure. Restoration/ Addition of All Positive Tradelines All accounts intentionally omitted, including XXXX years of credit history, must be restored or added to the credit report. Complete payment history for each account must be reflected accurately, including on-time payments, balances, and account age. Positive tradelines include : mortgages, auto loans, credit cards, phone bills, utility bills, rent, and insurance accounts as listed in Attachment A. Correction of Average Account Age & Credit Score Correct the average account age to include all decades of positive history. Credit scores must be recalculated based on full and accurate credit data. Written Confirmation of Compliance Written confirmation of all deletions, restorations, and corrections must be delivered to me within 24 hours of receipt of this complaint. Confirmation must include account numbers, status updates, and date of correction. Cease & Desist from Retaliatory Reporting Credit bureaus and furnishers must cease all repeated, willful, or retaliatory reporting related to this complaint. Any future reporting must comply fully with FCRA, FDCPA, and CARES Act regulations. Acknowledgment of Harm & Urgent Medical Impact Acknowledge that prior inaccurate reporting has harmed my ability to access urgent medical care, caused financial loss, emotional distress, and impacted my childrens well-being. Non-Compliance Outcome : Failure to fully comply same-day will result in : Filing federal lawsuits for statutory, actual, and punitive damages. Immediate escalation to CFPB, FTC, and Florida AG for willful, repeated violations and bad-faith reporting.

4 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? 
Company Information Equifax Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX Transunion credit reporting agency Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXXXXXX  Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? 
true Attempted to fix with this company? 
Yes Did you request information from the company?

No Additional Credit Reporting Company Experian credit bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? 
Yes Attempted to fix with this company? 
Yes Did you request information from the company? 
No What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX United States Your preferred language English Your demographic information XXXX Female Combined annual household income {$25000.00} - {$34000.00} Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request.

Company response to consumer: Closed with explanation