Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
Despite multiple disputes filed in XXXX, XXXX and XXXX along with substantial evidence proving these accounts are fraudulent and improperly verified, Transunion continues to report inaccurate, misleading, and unverifiable information, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Act ( CFPA ), and the Bankruptcy Code ( 11 U.S.C. 525 ).

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation. Transunion has issued conflicting and misleading dispute results or no results at all, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Violations of Federal Law : Transunions mishandling of my disputes constitutes multiple violations, including but not limited to:1. 2. 3. 4. 5. 6. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ) Transunion failed to properly investigate my disputes and issued false statements regarding the status of the disputed accounts.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Transunion continues to report inaccurate information despite clear documented evidence of fraud.

Failure to Validate the Debt ( 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proper validation of any disputed account. Transunion has not provided proper validation regarding the accuracy of the XXXX XXXX XXXX ACCOUNT ( XXXXXXXX XXXX XXXX XXXX XXXX ), NATIONAL CREDIT SYSTEMS ACCOUNT ( XXXXXXXX XXXX XXXX XXXX  XXXX bankruptcy discharged ( Reference No XXXX ), Failure to Provide Proper Disclosure and Right to Rescind ( 15 U.S.C. 1635 ) If Transunion has reported inaccurate or improperly verified financial information, it is in violation of my right to full disclosure and rescission of incorrect reporting under the Truth in Lending Act ( TILA ).

Illegal Bankruptcy Reporting ( 15 U.S.C. 1681c ( a ) ( 1 ) ) The FCRA limits bankruptcy reporting to no more than 10 years from the filing date. If Transunion is reporting my bankruptcy beyond this timeframe or in an inaccurate manner, it must be immediately deleted.

Discrimination Based on Bankruptcy ( 11 U.S.C. 525 ) Under the Bankruptcy Code, credit reporting agencies can not use bankruptcy filings to unfairly discriminate against individuals. If Transunion has improperly listed my discharged XXXX XXXX bankruptcy, failed to update it as discharged, or continues to use it in a way that negatively impacts my credit profile beyond lawful limits, it is in violation of federal bankruptcy protections.

Company response to consumer: Closed with explanation