Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am filing this complaint because Equifax Experian and TransUnion have continued to report inaccurate and unverified information on my credit reports despite multiple lawful disputes. The information being reported is inconsistent across all XXXX bureaus, not properly verified with original source documentation, and remains published even after I requested validation in accordance with the Fair Credit Reporting Act ( 15 USC 1681i ) and XXXX compliance standards. 

Equifaxs handling of my data is particularly concerning because my personal information was exposed in the confirmed Equifax data breach, which compromised millions of consumer files including mine. XXXX XXXX XXXX, another source connected to reporting or verification processes, was also breached. These breaches significantly undermine the reliability and integrity of any data these entities continue to use in verifying or publishing accounts under my name. Reporting unverifiable or potentially compromised data after such breaches violates both the spirit and the letter of the FCRAs accuracy and reinvestigation provisions. 

After submitting formal disputes, I received generic form responses that simply restated the information as verified, without providing any validation materials such as signed contracts, original billing statements, timestamps, or business records proving lawful ownership of the accounts. The XXXX credit reports contain mismatched XXXX data fields including inconsistent payment histories, account statuses, and balances. For example, certain accounts are shown as current on XXXX bureau and delinquent on another. Others list a balance with no scheduled payment, which is structurally impossible for an active account. These internal contradictions are clear signs of noncompliance with XXXX field integrity and demonstrate that no reasonable reinvestigation was conducted. 

The ongoing publication of these inaccurate and unverified entries has caused me measurable harm, including damaged credit standing, higher interest rates, and emotional distress. It is not reasonable or lawful for the bureaus to continue verifying accounts that have not been authenticated at the source. Under 15 USC 1681e ( b ), the bureaus must maintain maximum possible accuracy, which they have failed to do. Moreover, the furnishers involved have violated 15 USC 1681s-2 ( b ) by failing to properly investigate and correct data after being notified of a dispute. 

Considering that both Equifax and XXXX XXXX XXXX have suffered breaches, it is irresponsible and unlawful for them to continue reporting disputed data without verifiable proof of accuracy. The mishandling of sensitive information, followed by the publication of unverifiable derogatory data, demonstrates gross negligence and disregard for consumer rights under FCRA, FDCPA, and FACTA.

I have acted in good faith by submitting detailed disputes and requesting verification documents, yet all three bureaus provided only repetitive responses without substance or evidence. This pattern shows procedural noncompliance and a disregard for the consumers right to fair and accurate reporting. I am therefore requesting CFPB intervention to investigate the bureaus reinvestigation processes, ensure compliance with federal reporting laws, and compel correction or deletion of the inaccurate data. 

SUMMARY JUSTIFICATION AND LEGAL BASIS FCRA 15 USC 1681i failure to conduct a reasonable reinvestigation after consumer dispute.

FCRA 15 USC 1681e ( b ) failure to maintain maximum possible accuracy.

FCRA 15 USC 1681s-2 ( b ) failure of furnishers to properly investigate and correct inaccurate data.

FACTA failure to ensure consumer data protection and integrity, especially following known data breaches. 
XXXX violations inconsistent field mapping, conflicting payment and status codes, and missing Date of First Delinquency fields. 

REQUESTED ACTION / RESOLUTION I am requesting the CFPB to require : Immediate deletion of all disputed derogatory accounts that lack primary source verification. 

Written proof of the documents and verification methods used by Equifax, Experian, and TransUnion in their reinvestigation process. 

Confirmation that all reporting parties have authenticated records that align across XXXX fields including balance, past due amount, payment history, and current status. 

A compliance review to determine how data breaches by Equifax and XXXX XXXX XXXX have impacted the integrity of consumer reports and whether those entities should continue reporting unverifiable data. 

Compensation or regulatory enforcement as appropriate for negligent handling of consumer data and noncompliance with federal law. 

RECOMMENDATION Given the unverified data, cross-bureau inconsistencies, and confirmed data breaches by Equifax and XXXX XXXX XXXX, I recommend full deletion of the disputed tradelines. Continued reporting of unverifiable information from breached systems constitutes an ongoing violation of the FCRA and creates unacceptable consumer risk. CFPB intervention is necessary to ensure accountability, enforce corrective action, and protect the integrity of the consumer reporting system.

Company response to consumer: Closed with non-monetary relief