Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I, submit this formal complaint against Equifax, TransUnion, and Experian 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 time frame, 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 XXXX 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 ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. 
TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. 
Equifax Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. 
These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian. 
Fraudulent Accounts & Unauthorized Reinsertions Disputed Account Details and Demands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the reporting of the MISSIONLNTAB revolving credit account ( ending in XXXX ) as it appears on my credit report with TransUnion, Experian, and Equifax. This entry reflects incomplete, inaccurate, and misleading information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which requires all consumer reporting agencies to maintain maximum possible accuracy in the information they furnish. 

As of the most recent reporting : The balance is {$0.00} and past due amount is {$0.00}. 

The payment status is marked as unknown by TransUnion and Equifax which is unverified and unverifiable. 

Experian lists the account as XXXX XXXX  Days as of XX/XX/XXXX, with a comment indicating that the debt was included in or discharged through XXXX  XXXX XXXX, but this is inconsistent with TransUnion, which just says XXXX XXXX XXXX with no discharge clarification. 

Equifax reports this same account as Open, which conflicts with the other bureaus reporting it as Derogatory or included in bankruptcy, despite the account being inactive and paid off as of early XXXX. 

This fragmented and conflicting data creates a materially misleading consumer report, which is strictly prohibited under FCRA 1681i ( a ) ( 5 ), which mandates deletion of unverifiable or inaccurate data. Additionally, under Florida Statutes 559.72 ( 9 ) of the Florida Consumer Collection Practices Act ( FCCPA ), it is unlawful to report credit data known or that reasonably should be known to be false, misleading, or incomplete. 

This account shows no outstanding debt, no monthly payment obligation, and no consumer liability. It also has XXXX legal or financial impact post-bankruptcy. Furthermore, Equifaxs misclassification of the account as XXXX is a critical reporting error that further violates FCRA 1681e ( b ) and justifies immediate deletion. 

Accordingly, I am demanding that all three bureaus TransUnion, Experian, and Equifax remove this entry in its entirety. Failure to do so will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Florida Attorney Generals Office, and consideration of legal action under FCRA, FCCPA, and Florida Deceptive and Unfair Trade Practices Act ( F.S. 501.204 ) for negligent or willful failure to correct inaccurate and damaging reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am demanding the immediate and permanent deletion of the bankruptcy public record being reported by TransUnion and Experian, referencing a XXXX XXXX filing from XXXX XXXX  XXXX XXXX XXXX FL, XXXX XX/XX/XXXX under reference numbers XXXX and XXXX, and ultimately dismissed on XX/XX/XXXX and XX/XX/XXXX, respectively. This XXXX was not XXXX, resulted in {$0.00} liability, and therefore never impacted my legal obligations or debt structure. Continued reporting of a dismissed bankruptcy serves no legal or financial purpose and is highly prejudicial. This record, as presented, is misleading and incomplete lacking explanatory remarks or court rationale and therefore violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to report only complete and accurate information.

Furthermore, under FCRA 1681i ( a ) ( 5 ), if the data furnisher can not verify or justify the continued inclusion of a dismissed public record that carries no liability or credit relevance, it must be deleted. The absence of this record from Equifax only further underscores the inconsistency and lack of uniform verification. Under Florida Statute 559.72 ( 9 ) of the Florida Consumer Collection Practices Act ( FCCPA ), it is unlawful for a reporting agency or entity to communicate credit information it knows or should know to be false or misleading. Reporting a dismissed bankruptcy without context as if it were a standard bankruptcy outcome is deceptive and improperly harms my creditworthiness. 

Accordingly, I demand that TransUnion and Experian immediately delete this bankruptcy entry in full. If you do not comply within the timeframe allowed under FCRA 1681i ( a ), I will escalate this matter to the Florida Office of Financial Regulation, the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action under FCRA, FCCPA, and Florida Unfair and Deceptive Trade Practices Act ( F.S. 501.204 ) for willful and negligent failure to maintain accurate records. 
BANKRUPTCY : Chapter XXXX Bankruptcy Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am formally demanding the immediate deletion of the inaccurately reported XXXX  XXXX XXXX  filed on XX/XX/XXXX, case # XXXX, which was fully dismissed on XX/XX/XXXX, as shown on my credit reports from TransUnion and Experian. The continued reporting of this dismissed case constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) and 1681i ( a ), as well as the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ). 

To be clear : This XXXX XXXX XXXX XXXX XXXX  meaning no debt relief occurred. 

The record reflects {$0.00} liability, {$0.00} assets, {$0.00} exempt amount, and no legal impact on creditors or financial obligations. 

A dismissed case carries no adjudicated or binding legal consequence and does not satisfy the standard of completeness or relevance under FCRA 1681c ( a ), which mandates the prompt deletion of outdated, misleading, or unverifiable entries. 

Reporting a dismissed bankruptcy as an active derogatory mark damages my consumer report, artificially inflates risk assessments, and misleads lenders and financial institutions all in direct contravention of the maximum possible accuracy standard under FCRA 1681e ( b ). Additionally, continued reporting after being notified of this inaccuracy constitutes negligent or willful noncompliance, actionable under FCRA 1681n and 1681o for actual and statutory damages.

Florida law strengthens this argument. The FCCPA 559.72 ( 9 ) explicitly prohibits furnishing information to a credit bureau that is known or should be known to be false or misleading especially after dismissal and with no financial liability. 

Therefore, I demand the immediate and permanent removal of this dismissed XXXX XXXX XXXX entry from TransUnion and Experian. If not removed promptly, I am prepared to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and pursue civil litigation for statutory damages under federal and state consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX  : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am demanding the immediate and permanent deletion of the XXXX  public record being reported by TransUnion and Experian, referencing a XXXX XXXX filing from XXXX XXXX  XXXX XXXX XXXX FL, XXXX XX/XX/XXXX under reference numbers XXXX and XXXX, and ultimately dismissed on XX/XX/XXXX and XX/XX/XXXX, respectively. This XXXX  was not XXXX, resulted in {$0.00} liability, and therefore never impacted my legal obligations or debt structure. Continued reporting of a dismissed XXXX serves no legal or financial purpose and is highly prejudicial. This record, as presented, is misleading and incomplete lacking explanatory remarks or court rationale and therefore violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), which mandates consumer reporting agencies to report only complete and accurate information. 

Furthermore, under FCRA XXXX ( a ) ( XXXX ), if the data furnisher can not verify or justify the continued inclusion of a dismissed public record that carries no liability or credit relevance, it must be deleted. The absence of this record from Equifax only further underscores the inconsistency and lack of uniform verification. Under Florida Statute XXXX ( XXXX ) of the Florida Consumer Collection Practices Act ( XXXX ), it is unlawful for a reporting agency or entity to communicate credit information it knows or should know to be false or misleading. Reporting a dismissed XXXX  without context as if it were a standard bankruptcy outcome is deceptive and improperly harms my creditworthiness. 

Accordingly, I demand that TransUnion and Experian immediately delete this XXXX  entry in full. If you do not comply within the timeframe allowed under FCRA XXXX ( a ), I will escalate this matter to the Florida XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action under FCRA, XXXX, and Florida Unfair and Deceptive Trade Practices Act ( F.S. XXXX ) for willful and negligent failure to maintain accurate records. 
XXXX  : Chapter XXXX XXXX  Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am formally demanding the immediate deletion of the inaccurately reported XXXX  XXXX XXXX  filed on XX/XX/XXXX, case # XXXX, which was fully dismissed on XX/XX/XXXX, as shown on my credit reports from TransUnion and Experian. The continued reporting of this dismissed case constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) and 1681i ( a ), as well as the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( XXXX ). 

To be clear : This XXXX  was dismissed, not XXXX, meaning no debt relief occurred. 

The record reflects {$0.00} liability, {$0.00} assets, {$0.00} exempt amount, and no legal impact on creditors or financial obligations. 

A dismissed case carries no adjudicated or binding legal consequence and does not satisfy the standard of completeness or relevance under FCRA 1681c ( a ), which mandates the prompt deletion of outdated, misleading, or unverifiable entries. 

Reporting a dismissed XXXX  as an active derogatory mark damages my consumer report, artificially inflates risk assessments, and misleads lenders and financial institutions all in direct contravention of the maximum possible accuracy standard under FCRA 1681e ( b ). Additionally, continued reporting after being notified of this inaccuracy constitutes negligent or willful noncompliance, actionable under FCRA 1681n and 1681o for actual and statutory damages. 

Florida law strengthens this argument. The FCCPA 559.72 ( XXXX ) explicitly prohibits furnishing information to a credit bureau that is known or should be known to be false or misleading especially after dismissal and with no financial liability. 

Therefore, I demand the immediate and permanent removal of this dismissed XXXX XXXX XXXX  entry from TransUnion and Experian. If not removed promptly, I am prepared to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and pursue civil litigation for statutory damages under federal and state consumer protection laws. 
Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand XXXX Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, FL Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification. 
Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file across all three bureaus. 
Ensure that these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ).

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.

Company response to consumer: Closed with non-monetary relief