Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Demand for Immediate Deletion of Unlawfully Reported Accounts To : Consumer Financial Protection Bureau Equifax Information Services LLC Experian Information Solutions , Inc .

TransUnion, LLC Furnishers Listed Below RE : Repeated Violations of the Consumer Financial Protection Act ( CFPA ), Fair Credit Reporting Act ( FCRA ), and State Consumer Protection Laws Demand for Immediate Removal of Inaccurate, Re-aged, and Unlawfully Reported Accounts This letter serves as formal notice that Equifax, Experian, TransUnion, and multiple furnishers have continued to report inaccurate, re-aged, incomplete, and legally non-compliant information on my consumer credit files despite more than a year of disputes filed through the CFPB system and directly with each credit bureau. 
I am documenting ongoing, repeated, and willful violations of federal law, including but not limited to the following : 1. Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) & ( b ) furnishers are legally obligated to : Report accurate and complete information Not reinsert or re-age information Correct or delete information found to be inaccurate Conduct proper investigations upon receiving notice of dispute Ensure consistent reporting across all bureaus The furnishing entities and credit bureaus have violated these requirements by : Re-aging accounts beyond the statute of limitations Failing to correct known inaccuracies after multiple disputes Reporting inconsistent information to each of the three credit bureaus Failing to conduct reasonable and lawful investigations Continuing to report information already shown to be false or unverifiable 2. Violations of the Consumer Financial Protection Act ( CFPA ) Under 12 U.S.C. 5531 & 5536, it is unlawful to engage in : Unfair, deceptive, or abusive acts or practices ( UDAAP ) Misrepresentations of consumer obligations Actions that knowingly violate consumer protection laws By ignoring documented disputes, failing to correct inaccurate data, and continuing inconsistent and materially harmful reporting, the furnishers and bureaus have engaged in precisely the conduct prohibited under the CFPA.

3. Ongoing Violations Documented in the CFPB Complaint System The CFPB complaint system contains multiple disputes filed by me for more than a year, demonstrating : Failure to investigate Failure to update incorrect information Continued re-aging of accounts Failure to delete unverifiable or outdated data Blatant disregard for federal and state consumer protection laws This pattern clearly demonstrates systemic, repeated non-compliance. 
ACCOUNTS TO BE IMMEDIATELY DELETED Equifax XXXX XXXX XXXX inaccurate, re-aged, and non-compliant TransUnion XXXX inaccurately reported and inconsistent with other bureaus Experian XXXX Mortgage XXXX XXXX accounts ) repeated violations, incorrect reporting, re-aging, and failure to correct after multiple disputes Discover unresolved inaccuracies, reporting inconsistencies, and failure to issue a required Form XXXX after a claim was filed with the IRS These furnishers have failed to comply with FCRA 602 ( A ) accuracy standards and must delete these accounts immediately. 
LEGAL BASIS FOR DEMAND OF DELETION Under FCRA 1681i ( a ) ( 5 ) ( A ), any information that : Can not be verified Is inaccurate Has been re-aged Has remained uncorrected after dispute must be deleted from the consumers credit file. 
Because the furnishers and bureaus have repeatedly failed to correct or verify the accuracy of the disputed information, deletion is legally required. 
FORMAL DEMAND I hereby demand : 1. Immediate deletion of the accounts listed above from all credit reports.

2. Written confirmation from each credit bureau and furnisher within 30 days.

3. A copy of all documentation used in your investigations, as permitted under the FCRA.

4. A detailed explanation of how each account was verified, including the name, department, and contact information of the person ( s ) who verified the data.

Failure to comply will leave me no choice but to pursue : Additional CFPB complaints State consumer protection claims Potential civil action for willful non-compliance under FCRA 616617 CONCLUSION For more than a year, I have attempted in good faith to resolve these issues. Your continued failure to comply with federal law, correct inaccurate information, or cease re-aging and unlawful reporting practices constitutes a blatant disregard for consumer protection laws. 
I expect full compliance within the time required by law.

Company response to consumer: Closed with explanation