Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Failure of Monitoring Services Dear Sir or Madam, I am filing this formal complaint against TransUnion, one of the three nationwide consumer reporting agencies, for repeated and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I received an email notification from TransUnion regarding changes to my credit report. Upon reviewing the information, I discovered blatant discrepancies and inaccuracies, which I have highlighted in the attached documentation. These are not minor clerical issues they are significant, embarrassing, and materially damaging to my creditworthiness. 

Despite my numerous past efforts to correct errors, TransUnion has flatly denied the validity of my disputes. This is particularly egregious given that I pay a monthly subscription fee for TransUnions credit monitoring services, which are marketed as a means to ensure accuracy, accountability, and transparency. Instead, I continue to suffer from errors that TransUnion refuses to correct.

FCRA Statutory Violations : - 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy.

- 15 U.S.C. 1681i : CRAs must conduct a timely reinvestigation of disputed information and correct or delete inaccurate or unverifiable items.

- 15 U.S.C. 1681c : CRAs must remove obsolete or irrelevant negative information. 

Precedent Lawsuits : - TransUnion XXXX XXXX : Supreme Court upheld $ XXXX verdict for false terrorist labeling due to OFAC mismatches. 
- XXXX XXXX Settlement : TransUnion fined XXXX XXXX for eviction and background screening inaccuracies. 
- TransUnion XXXX XXXX XXXX ( XXXX ) : $ XXXX settlement over failure to reinvestigate hard inquiry disputes. 
- Equifax ( XXXX ) : Jury awarded $ XXXX after repeated merged file errors. 
- XXXX XXXX XXXX : Fined $ XXXX by FTC for FCRA violations as a specialty CRA. 

Requested Relief : 1. Immediate removal of all inaccurate, inconsistent, unverifiable, and negative information from my credit reports. 
XXXX. Correction of all discrepancies across TransUnion, Equifax, Experian, and lesser-known CRAs ( XXXX, XXXX, XXXX, XXXXXXXX XXXX etc. ). 
XXXX. Written confirmation of corrections. 
XXXX. Heightened CFPB oversight and enforcement against TransUnion. 

Agencies to be Notified : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - My State Attorney Generals Office - State Consumer Protection Office - XXXX XXXX XXXX XXXX XXXX XXXX Supporting Exhibits : - Exhibit A TransUnion Notification of XX/XX/XXXX - Exhibit B Highlighted Discrepancies and Errors - Exhibit C Prior Correspondence In sum, TransUnions ongoing inaccuracies, refusal to reinvestigate, and failure to ensure accuracy violate the FCRA. These violations mirror those already penalized in multimillion-dollar verdicts and settlements across the credit reporting industry. I expect the CFPB to act decisively to compel compliance and restore accuracy to my file. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief