Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Complaint Against Equifax for Illegal Updates, False Reporting, and Reinsertion Behavior on a XXXX XXXX XXXX ( XXXX ) Account ( TransUnion and Experian copied for awareness ) I am filing this complaint against Equifax for repeated unlawful updates, reinsertions, inaccurate reporting, and status-code manipulation involving a XXXX  XXXX XXXX XXXX XXXX ) collection tradeline. These actions violate the Fair Credit Reporting Act ( FCRA ) and have caused ongoing harm to my credit. 

XXXX XXXX XXXX previously told the CFPB that they had ceased all communication with me. 
If that is true, Equifax should not be receiving ANY new data, updates, or remark changes from XXXX. 

Instead, Equifax continues to update and alter this account. 



XXXX. Illegal Account Movements and Reinsertion Behavior by Equifax After my XX/XX/year> dispute, Equifax : removed the XXXX account from the Collections section, moved it into Closed Accounts, later moved it back into the Collections category, repeatedly changed the remarks ( including consumer disputes after resolution ), and continues to make updates as if new data is being furnished. 

This is not a deletion it is a misclassification and a form of reinsertion, which violates : FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) improper reinsertion/reclassification instead of deletion FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 607 ( b ) maximum possible accuracy requirement A debt collector can not legally be reported as a closed account. 
There was never an open account between me and XXXX XXXX. 

This is factually false reporting. 



XXXX. Documented Timeline of Equifaxs Misconduct XX/XX/year> Equifax changed the tradeline to Reinvestigation in Progress. 
XX/XX/year> Equifax changed the remark again to Consumer disputes after resolution, which is false. 
Equifax later moved the account back into Collections even after earlier removing it. 

These repeated changes prove Equifax is altering an account that should have already been permanently deleted not reclassified or reinserted. 



3. XXXX  Told the CFPB They Ceased Communication Yet Equifax Keeps Updating I provided Equifax ( and all three bureaus ) with screenshots of XXXX  CFPB response confirming that XXXX  has ceased all communication with me.

If XXXX  truly stopped communicating or furnishing : Equifax should NOT be receiving new updates, Equifax should NOT be changing remarks, Equifax should NOT be altering status codes, and the tradeline should have already been fully deleted. 
Because XXXX stated to the CFPB that they have ceased all communication, Equifax should not be receiving any certified updates or furnishing data from XXXX. Therefore, Equifaxs continued status changes, remark updates, and movement of this tradeline indicate that : XXXX misrepresented their statement to the CFPB, or Equifax is independently altering and updating the account without receiving the required certified furnishing instructions from XXXX. 

Either scenario is a direct violation of the Fair Credit Reporting Act and demonstrates that the tradeline should have been permanently deleted not updated, modified, or reinserted. 



XXXX. Ongoing Harm From Equifaxs Actions Equifax has : updated the account multiple times in one week, changed its classification multiple times, repeatedly modified dispute remarks, kept it visible under the Collections category, and misrepresented the status as closed even though XXXX is a debt collector. 

This has directly harmed my credit score, category placement, and dispute rights. 
Notification to TransUnion and Experian TransUnion and Experian are copied for awareness. 
If they engage in similar conduct or fail to delete the XXXX tradeline after receiving XXXX ceased communication statement that will also constitute : FCRA 611 ( a ) violations, FCRA 623 ( a ) ( 1 ) ( A ) violations, And FCRA 607 ( b ) accuracy violations.

Escalation Notice I have already filed or am preparing to file : a formal complaint with the State Attorney General, a complaint with the FCC, and a civil lawsuit for multiple FCRA violations if bureaus fails to correct this immediately. 

This is now my third active CFPB complaint concerning this same XXXX XXXX tradeline. All prior complaints remain open and unresolved because the bureaus updated my credit file without supplying any complete or lawful determination through CFPB. Complaint numbers are attached. I request supervisory review due to the repeated failures to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation