Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Phone : XXXX Complaint Against : TransUnion Experian Equifax And the furnishers/collectors listed below Subject : Failure to Conduct Lawful Reinvestigations, Reporting Inaccurate & Unverifiable Information , Stall Letters, Metro-2 Violations , Bankruptcy Errors, DOFD Suppression, and FDCPA/HIPAA Violations XXXX. Summary of the Issue I am filing this complaint because all three credit bureausTransUnion, Experian, and Equifaxhave : Ignored multiple disputes Issued stall letters rather than lawful investigations Failed to provide a Method of Verification ( MOV ) Continued reporting inaccurate, incomplete, unverifiable, re-aged, and nonMetro-2-compliant information Failed to validate debts provided by collection agencies Mishandled sensitive medical debt information Misreported and re-aged a XXXX  XXXX Bankruptcy I have made multiple disputes, and the bureaus have repeatedly violated their obligations under federal law. 

I am requesting CFPB enforcement and deletion of all disputed items. 



XXXX. Bankruptcy Reporting Violations ( All Bureaus ) XXXX  XXXX Bankruptcy Filed : XX/XX/XXXX Case # : XXXX All three bureaus are reporting this public record with major errors : Inconsistent or incorrect courthouse name Case number formatting errors Re-aging through improperly updated dates Missing required Metro-2 public record fields No Method of Verification provided Reliance on PACER ( not allowed under FCRA ) Missing discharge date and status fields Violations : FCRA 607 ( b ) FCRA 609 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 1 ) failure to reinvestigate FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) no MOV FCRA 611 ( a ) ( 7 ) MOV not provided upon request FCRA 605 ( c ) prohibited re-aging FACTA public record accuracy rules Metro-2 Public Record Reporting Standards This bankruptcy, as reported, is inaccurate, incomplete, unverifiable, and must be deleted. 



XXXX. Accounts Reporting Inaccurately ( ALL Bureaus ) Below are the specific accounts, their issues, and violations. 
( Information taken directly from my credit reports. ) XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  High credit differs drastically between bureaus DOFD missing Re-aged dates Metro-2 violations Violations : FCRA 607 ( b ), 611 ( a ), Metro-2 XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Merchandise taken back but high balance still reported DOFD missing Re-aged Conflicting timelines Violations : FCRA 607 ( b ), Metro-2 XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Equifax shows Late 120 Days Experian & TU show Collection/Charge-Off DOFD missing Can not have multiple conflicting statuses Violations : FCRA 607 ( b ), Metro-2, 611 ( a ) XXXXXXXX XXXX  XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX No validation provided Wrong reporting format DOFD missing Improper delinquency codes on a collection Violations : FDCPA 809 ( b ), FCRA 607 ( b ), Metro-2 XXXX XXXX XXXX ( XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Missing DOFD Re-aged No validation No MOV Violations : FDCPA 809 ( b ), FCRA 611 ( a ) XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX No DOFD No validation Incorrect status codes Violations : FDCPA 807, 809 ( b ), FCRA 607 ( b ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Double reporting ( charge-off + collection ) DOFD missing No validation Violations : FDCPA, FCRA, Metro-2 XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Fabricated Date Last Active DOFD missing Re-aged No validation Violations : FCRA 607 ( b ), FDCPA 809 ( b ) XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX DOFD missing Likely obsolete under FCRA 605 ( a ) XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Missing DOFD Re-aging indicators XXXX Account XXXX Medical information disclosed in violation of HIPAA DOFD missing Violations : HIPAA, FCRA 605 ( a ) ( 6 ) 4. Failure to Provide Method of Verification ( MOV ) I specifically requested MOV under : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) FCRA 611 ( a ) ( 7 ) None of the bureaus provided : Who verified the information How it was verified What documents were reviewed Contact information for the furnisher Verification timestamps Because they did not provide MOV, they are legally required to delete the disputed items. 



XXXX. Stall Letters Instead of Investigations All bureaus responded with : Automated verified messages No details No documentation No validation from furnishers This violates : FCRA 611 ( a ) ( 1 ) FCRA 611 ( a ) ( 2 ) ( A ) CFPBs guidance on automated dispute handling 6. Requested CFPB Action I request that CFPB require : Deletion of all inaccurate, unverifiable, re-aged, or non-Metro-2-compliant items Correction of all bankruptcy reporting errors Strict compliance with FCRA, FDCPA, Metro-2, HIPAA, and FACTA Production of actual source documents Enforcement actions if bureaus fail to comply 7. Desired Resolution I request : Permanent deletion of all the disputed accounts Deletion of the inaccurately reported bankruptcy A corrected consumer report from each bureau Compliance with federal law immediately

Company response to consumer: Closed with explanation