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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for a widespread pattern of FCRA violations that mirror the same issues raised in federal cases such as XXXX XXXX TransUnion, XXXX XXXX Experian, and other suits involving illegal automated dispute handling. 

All three bureaus have repeatedly failed to conduct lawful investigations, ignored my evidence, delayed my disputes, and reported accounts without proper verification. Their behavior is systemic, harmful, and unlawful. 

I am requesting : Deletion of all unverified and inaccurately reported accounts A real, manual reinvestigation compliant with FCRA 611 A complete Method of Verification for each account Compensation for damages caused by their violations of the FCRA Details of the Violations ( Applies to ALL 3 Bureaus ) 1. Failure to investigate disputes properly ( FCRA 611 ( a ) ( 1 ) ) I sent multiple dispute letters by certified mail. Each bureau responded with generic verifiedno change results without conducting any meaningful investigation. 

Every bureau relied solely on automated ACDV responses from furnishers via e-OSCAR instead of reviewing my evidence. They ignored the detailed disputes, documents, and proof I provided. 

This is the exact pattern of misconduct that the CFPB and multiple federal courts have ruled as unlawful 2. Failure to provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I sent multiple MOV letters requesting : How the information was verified Who they contacted What documents were used What evidence was reviewed None of the bureaus provided any MOV. 
Each ignored my lawful request. 
This is a clear and repeated FCRA violation.

3. Delayed investigation disputes not started within reasonable time Experian received my disputes on XX/XX/2025, but did not open or process them until XX/XX/2025, 14 days later. This delay illegally shortened the investigation window and contributed to inaccurate dispute results. 

TransUnion and Equifax also delayed multiple dispute submissions after receiving my certified mail.

4. Reporting inaccurate or inconsistent information Across all 3 bureaus, the same accounts show : Different dates of first delinquency ( DOFD ) Different balances Different statuses Missing DOFD Contradictory charge-off dates Accounts updated inconsistently This proves they did not verify the information with original documentation.

5. Reporting accounts that collectors can not verify The following collection agencies failed to provide validation when requested : XXXXXX/XX/XXXXXXXX Under FDCPA + FCRA, unverified accounts must be deleted, yet all XXXX bureaus continued to report them or claim they are verified. 

This is unlawful.

6. Continuing to report after the furnisher STOPPED collection XXXX XXXX and XXXX XXXX stated they stopped all collection activity, yet the bureaus continued reporting the account.

Reporting accounts after a furnisher terminates collection is a violation because there is no ongoing authority to furnish data.

7. Ignoring evidence I provided I sent : Dispute letters Debt validation requests MOV requests Certified mail receipts Screenshots of wrong dates Proof of furnisher non-response The bureaus ignored every piece of evidence and issued automated responses. This is willful non-compliance. 

Accounts Involved ( ALL BUREAUS ) XX/XX/XXXXXXXX All of these accounts have unresolved disputes, missing verification, inconsistent reporting, and no MOV.

Company response to consumer: Closed with explanation