Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and Uniform Commercial Code ( UCC ) 8-102. These credit reporting agencies have failed to investigate, correct, or remove inaccurate, incomplete, and unverifiable information, which is a direct violation of federal law. 

Their failure to comply demonstrates gross negligence, willful noncompliance, and reckless disregard for the accuracy of consumer credit reports, causing financial and reputational harm. 

Violations and Legal Grounds for Complaint 1. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax and TransUnion continue to report inaccurate, outdated, and unverifiable information on my credit report.

The reported accounts and addresses have not been properly validated, violating the FCRAs requirement to ensure maximum accuracy. 

2. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) Despite multiple disputes, both bureaus have continued to report inaccurate information.

They failed to provide legitimate verification or conduct a reinvestigation, instead relying on automated responses from data furnishers without reviewing original source documents. 

3. Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) The credit bureaus are reporting accounts without validation of debt from data furnishers.

Under 15 U.S.C. 1692g, consumers are entitled to verification of an alleged debt, including a signed contract proving liabilitynone was provided. 

4. Violation of Federal Rules of Evidence ( FRE ) Rule 1002 ( " Best Evidence Rule '' ) Original, wet-ink signed contracts proving liability and enforceability were not provided.

The continued reporting of accounts without original documentation constitutes legal fraud and negligence under the Best Evidence Rule. 

5. Violation of 15 U.S.C. 1681s-2 ( b ) Continued Reporting of Inaccurate Information Equifax and TransUnion continue reporting disputed accounts despite notice of inaccuracies and lack of validation.

This is a willful violation and demonstrates bad faith handling of disputes. 

6. Certificated Security Holder Status ( UCC 8-102 ) and Unlawful Securitization The alleged debts were securitized, assigned, or sold, meaning the original creditor has no standing to enforce the claim. 

If Equifax and TransUnion can not verify ownership of the accounts, they must delete them.

Evidence of Equifax and TransUnions Pattern of Violations Equifax was previously sued by the CFPB for failing to correct consumer reports after legitimate disputes.

TransUnion was fined for deceptive practices, including misleading consumers on their rights regarding credit reporting. 

Both bureaus have a documented history of regulatory noncompliance, further invalidating their reporting.

Company response to consumer: Closed with non-monetary relief