Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
I, XXXX XXXX XXXX, submit this formal complaint against Equifax, TransUnion, and Experian ( " the Bureaus '' ) for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations : My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ).

Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings.

Related Lawsuits & CFPB Actions : The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian Lawsuit ( XX/XX/XXXX ) TransUnion Settlement ( XX/XX/XXXX ) Equifax Lawsuit ( XX/XX/XXXX ) Fraudulent Accounts & Unauthorized Reinsertions : Equifax : PORTFOLIO, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Experian : XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Laws Violated for Each Account : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to investigate disputes within 30 days.

15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts upon receiving proper documentation.

15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting.

15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide requested verification details, including contracts and signatures. 

Incorrect Employers & Addresses : Employers : XXXX XXXX  XXXX XXXX  XXXX, XXXX BY XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Demands for Resolution : Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file across all three bureaus. 

Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries along with updated copies of my credit reports. 

Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provide findings in writing, including all requested verification details, such as contracts and signatures.

Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ).

The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations. 

Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief