Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureausExperian, TransUnion, and Equifaxregarding issues I have encountered in relation to my credit report ( s ) and the handling of my personal information. Despite my repeated efforts to resolve the issue directly with these agencies, my concerns remain unresolved, and I seek the CFPBs assistance in addressing these matters. 

Issue Summary : Incorrect or Inaccurate Information : On [ insert date ( s ) ], I reviewed my credit report ( s ) from Experian, TransUnion, and Equifax, and noticed [ briefly explain the issue ( s ) e.g., incorrect information, accounts that do not belong to you, wrong balances, outdated information, etc. ]. I have made multiple attempts to dispute these discrepancies directly with each bureau, but the errors have not been corrected. 
Failure to Investigate Disputes : I initiated a dispute with each credit bureau on [ insert date ( s ) ], providing the necessary documentation to support my claim. However, each of the bureaus failed to conduct a thorough and fair investigation or provide me with adequate feedback regarding the status of my dispute. [ If applicable : Provide specific details about the dispute, including any reference numbers or case numbers you have. ] Failure to Provide Timely Response or Update My Credit Report : Despite multiple requests for updates, I have not received timely responses to my dispute inquiries. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to respond to disputes within 30 days, but I have experienced significant delays without adequate explanations.

Other Specific Issues : [ If you have any additional specific concerns or details that apply to your situation, please add them here. ] Actions Taken : I have already taken the following actions to resolve this issue : Contacted Experian on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ].

Contacted TransUnion on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ].

Contacted Equifax on [ insert date ] via [ phone/email/mail ] to dispute [ describe issue ]. 
Despite these efforts, the issues persist, and I have not received a satisfactory resolution from any of the credit bureaus. 

Desired Outcome : I request that the CFPB investigate this matter and take appropriate action to ensure that : The inaccuracies on my credit reports are corrected immediately. 
The credit bureaus comply with the FCRA by responding promptly to all future disputes. 
The credit bureaus provide clear explanations of the actions they take to resolve disputes. 
[ Include any additional requests, such as a correction of your credit score, compensation for damages, etc. ] I appreciate your attention to this matter and trust that the CFPB will help ensure that Experian, TransUnion, and Equifax adhere to the law and correct the errors on my credit report.

Thank you for your time and assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation