Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverifiable, and illegally reported account on my credit file, listed as XXXX XXXX XXXX ( Auto Loan ). 


This account contains multiple violations of FCRA, FDCPA, and the UCC, and despite previous disputes, the credit bureaus have failed to provide proper verification. 



My allegations include the following violations : FCRA 623 ( a ) ( 1 ) ( A ) The furnisher is reporting information they know or should know is inaccurate, including late payments after the account was closed. 
FCRA 605 ( a ) The account appears to be illegally re-aged, with late marks in XXXX  despite the account being closed in XX/XX/year>. 
FCRA 611 ( a ) ( 1 ) ( A ) The bureaus marked my dispute as resolved by grantor without providing any actual validation. 
FCRA 607 ( b ) The reporting lacks maximum possible accuracy.

FCRA 623 ( a ) ( 2 ) The furnisher continues updating an account they no longer own, as it is labeled purchased by another lender. 
UCC 3-501 & 9-210 No proof of entitlement, no accounting ledger, no assignment contract, and no original promissory note has been produced. 
UCC 2-601 The creditor failed to provide perfect tender of documentation, making the claim defective. 

The bureaus and the furnisher have failed to validate the following : Original contract Chain of title Assignment paperwork Payment ledger Date of First Delinquency Proof of permissible purpose Proof of current ownership of the account Additionally, Experian has already removed this exact XXXX XXXX XXXX account from my Experian credit file after determining it was unverifiable under FCRA 611. 


Despite this, TransUnion and Equifax continue to report the account, even though : They have not provided validation, They have not provided chain-of-title, They have not provided an original contract, They have not provided an accounting ledger, and They have not verified ownership or permissible purpose. 


Because Experian deleted the account, TransUnion and Equifax are knowingly reporting information that another bureau determined to be unverifiable. This violates : FCRA 607 ( b ) Maximum Possible Accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate FCRA 611 ( a ) ( 1 ) ( A ) Failure to properly investigate Under FCRA 607 ( b ) and FCRA 623, if one bureau determines an account can not be verified, ALL bureaus must stop reporting unless they can independently verify using original source documentation not automated e-Oscar checks. 

I am requesting the CFPB to compel TransUnion and Equifax to either provide full documentary validation or immediately delete the account. 

They can not verify what Experian could not. 


This alone is enough for deletion. 


Because this account is unverifiable as required by FCRA 611, it must be deleted immediately. 


I request the CFPB compel the bureaus and furnisher to : Provide all verification documents ; or Delete the account from all credit reports

Company response to consumer: Closed with non-monetary relief