Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This is a continuation of previous complaints regarding TransUnions repeated failure to investigate disputes related to XXXX XXXX XXXX. This complaint contains NEW updates and violations that have occurred after the previous filing, including a reinsertion that happened on XX/XX/XXXX, without proper notice or certification in violation of FCRA XXXX ( a ) ( XXXX ) ( B ). 
This serves as a final and formal * * debt resolution demand * * to * * XXXX XXXX XXXX * * and their partner * * XXXX XXXX XXXX XXXX * *, in accordance with the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *. 

I have exhausted every professional and legal channel available to resolve this matter amicably. Since * * XX/XX/XXXX * *, I have sent multiple written disputes and requests for validation regarding an alleged debt being reported to * * XXXX, Equifax, TransUnion, and XXXX * * by your company. Despite this, your organization has continued to report : * An account marked as " open '' that should be closed or transferred * False payment history and " open '' dates across different platforms * Inconsistent balances and terms * Inaccurate data reinserted after formal disputes, without certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Your response a generic contract from the original creditor * * does not validate the debt * *, nor does it justify your continued reporting. You have failed to provide a bill of sale, chain of title, or any itemized accounting. Worse, your letter dated * * XX/XX/XXXX * * falsely states that you are " not obligated '' to validate the debt, which is a willful misrepresentation of my rights under * * FDCPA 809 ( b ) * *.

I have disputed this matter directly with the credit bureaus multiple times. They have failed to perform a proper reinvestigation and have instead continued to allow your company to report inaccurate and unverifiable information. As of * * XX/XX/XXXX * *, following my most recent dispute, * * XXXX XXXX XXXX once again removed and then reinserted the account on my TransUnion report through XXXX XXXX * *, demonstrating a continuing pattern of reinsertions without required certification or notice. This is a direct violation of * * FCRA 611 ( a ) ( 2 ) and ( a ) ( 5 ) * *. TransUnion has failed to conduct any proper investigation into this matter, enabling XXXX XXXX XXXX to manipulate my credit file at will. 

These actions have led to significant credit damage, denied loan applications, and emotional and financial distress as I try to purchase a home and rebuild my life. 

I am not only demanding the immediate * * removal of this tradeline * * from all credit reporting agencies, I am also putting your company on notice that I am prepared to take further legal action. This includes but is not limited to : * Civil litigation for statutory and actual damages * Claims under FDCPA, FCRA, and * * XXXX XXXX XXXX XXXX * * * Referral of your conduct to the * * CFPB * *, * * FTC * *, * * Texas AG * *, and my * * XXXX XXXXXXXX XXXX  * * To date, I have filed over * * 25 CFPB complaints * *, many of which were marked as duplicates despite persistent violations. I have also filed complaints with the * * XXXX  * *, Texas Attorney General * *, * * OCCC * *, and * * FTC * *. On * * XX/XX/XXXX * *, XXXX XXXX XXXX office personally contacted me * *, confirming their involvement and intent to escalate this matter federally. I was advised to provide their office with all updates and documentation as the situation develops. 

This is your * * final opportunity * * to resolve this before formal litigation begins. I expect written confirmation of deletion and cessation of reporting activity within * * 10 calendar days * * of receipt of this notice. 

* * Govern yourselves accordingly. * *

Company response to consumer: Closed with non-monetary relief