Consumer complaint received 2025-09-28 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:
Subject : Complaint Against Equifax, Experian, and TransUnion Violation of FCRA, 15 U.S.C. 1681c-2 Dear CFPB Representative, I am submitting this formal complaint against the three nationwide credit reporting agenciesEquifax, Experian, and TransUnionfor failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 

I have disputed multiple derogatory accounts appearing on my credit reports. Despite my disputes, these accounts continue to be reported as accurate, with comments such as Completed investigation of FCRA dispute consumer disagrees, even though the information remains inaccurate, incomplete, or unverifiable. 

The derogatory accounts at issue include the following : XXXX XXXX / XXXX XXXX XXXX Account No. : XXXX Balance : {$0.00} ( written off from {$3300.00} ) Address : XXXX XXXX XXXX, Fl XXXX, XXXX XXXX, CA XXXX Phone : Not provided on credit file XX/XX/XXXXXXXX Account XXXX. : XXXX Balance : {$710.00} past due Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX /XX/XX/XXXX 

Account XXXX. : XXXX Balance : {$860.00} past due Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX : {$440.00} past due Address : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Account XXXX. : XXXX Balance : {$760.00} past due Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX Bank XXXX XXXX ( sold to XXXX ) Account No. : XXXX Balance : {$0.00} ( charged off {$760.00} ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXXXX/XX/XXXX Account No. : XX/XX/XXXXBalance : {$55.00} ( charged off, {$30.00} past due at time of closure ) Address : XXXX XXXX XXXX, XXXX, NV XXXX Phone : ( XXXX ) XXXX XXXXXX/XX/XXXXXXXX Account No. : XXXX Balance : {$840.00} past due ( charged off ) Address : XXXX XXXX XX/XX/XXXXXXXX, NY XXXX Phone : Not listed ( correspondence by mail XX/XX/XXXX Account No. : XXXX Balance : {$0.00} ( paid/closed with prior late history ) Address : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, TX XXXX XXXX : ( XXXX ) XXXXXX/XX/XXXXXXXX Balance : {$480.00} past due ( charged off ) Address : XXXX XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Legal Basis Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is prohibited from furnishing a consumer report that contains obsolete or unverifiable information. Furthermore, under 1681i, the CRAs are required to conduct a reasonable reinvestigation of any disputed information. 

The responses I receivedstatements such as Completed investigation consumer disagreesare not sufficient under the statute. They do not reflect a reasonable reinvestigation, nor do they resolve the fact that the accounts remain unverifiable. 

Requested Relief I respectfully request that the CFPB : Investigate Equifax, Experian, and TransUnion for failure to comply with 15 U.S.C. 1681c-2 and 1681i.

Direct the CRAs to delete or suppress the disputed accounts unless they can be fully verified with proper documentation from the original creditors. 

Require the CRAs to provide me with an updated credit report reflecting accurate information. 

Ensure that these agencies implement corrective procedures to prevent further violations of the FCRA. 

Supporting Documentation I am prepared to provide copies of my credit reports, prior dispute letters, and responses from the CRAs showing their failure to adequately verify the disputed information. 

Thank you for your attention to this matter. I respectfully request your assistance in ensuring my rights under the Fair Credit Reporting Act are protected.

Company response to consumer: Closed with explanation