Consumer complaint received 2025-10-13 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. XXXX ( 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 thanXX/XX/XXXX 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. XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within the required XX/XX/XXXXday period. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. 
15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy. 
15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to provide verification of debt, including original contracts and signatures, upon request. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) (XX/XX/XXXX ) : 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 DemandsXX/XX/XXXXXXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXX/XX/XXXXXXXX ( b ), XXXX ( a ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX XX/XX/XXXXXXXX ( XXXX ), XXXX ( XXXX ) I am formally disputing the XX/XX/XXXX entry reported by TransUnion ( Reference # XXXX ), as it is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. XXXX ( b ), they must maintain maximum possible accuracy of consumer reports. Furthermore, because this record is sourced from the XXXX XX/XX/XXXXCourt, I demand documented proof of direct verification from the original public record as required by 15 U.S.C. XXXX ( a ) ( XXXX ). The XX/XX/XXXXCourt itself does not furnish or verify data for consumer reporting agencies and has confirmed that it does not report to CRAs. Reporting unverifiable, outdated, or misleading information constitutes willful noncompliance under 15 U.S.C. XXXX and XXXX, exposing your agency to statutory and punitive damages. 
Additionally, under Florida law, including the Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX, it is unlawful to engage in deceptive, unfair, or unconscionable acts in trade or commerce. The continued reporting of this unverifiable bankruptcy is a direct violation of Floridas consumer protection statutes, as it misrepresents my financial history, damages my credit reputation, and causes undue harm. 
I hereby demand the immediate deletion of this bankruptcy entry from my credit file pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), as it can not be verified in compliance with the FCRA and Florida law. Failure to comply within the legally mandated time frame will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and theXX/XX/XXXXAttorney Generals Office, in addition to pursuing civil remedies for damages under both federal and Florida statutes. 
XXXX XXXXXX/XX/XXXXXXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXX/XX/XXXX XXXX ( b ), XXXX ( a ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX )XX/XX/XXXXXXXX ( XXXX ), XXXX ( XXXX ) I am formally disputing the bankruptcy entry reported by Experian ( Reference # XXXX ) as it is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ), consumer reporting agencies are required to conduct a lawful reinvestigation of disputed information, and under 15 U.S.C. XXXX ( b ), they must ensure maximum possible accuracy. The XXXXXX/XX/XXXXCourt does not furnish or verify consumer information to Experian or any other consumer reporting agency. Therefore, unless Experian can provide documented evidence of direct communication and verification from the original source, this record is unverifiable under 15 U.S.C. XXXX ( a ) ( XXXX ). Continued reporting of this unverifiable bankruptcy constitutes willful noncompliance under 15 U.S.C. XXXX and XXXX, making Experian liable for statutory, actual, and punitive damages. 
Additionally, Experian is in direct violation of the Metro 2 Compliance Guidelines, which require consumer data to be reported in a manner that is accurate, complete, and consistent. Reporting a bankruptcy with UNKNOWN liability amounts and without verifiable source documentation fails the Metro 2 accuracy standard, further misrepresenting my consumer credit profile. 
Furthermore, under Florida law, including the Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX, it is unlawful to engage in deceptive, unfair, or unconscionable practices. The reporting of an unverifiable bankruptcy misrepresents my financial history, damages my reputation, and causes measurable harm, constituting an unfair and deceptive trade practice under Florida law. 
I demand the immediate deletion of this bankruptcy entry from my Experian credit file pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). If Experian can not provide documented evidence of direct verification from the XXXXXX/XX/XXXX Courtwhich it can not, as the XXXXourt itself confirms it does not report to XXXXthis account must be removed. Failure to comply within the statutory time frame will leave me no choice but to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XX/XX/XXXX Attorney Generals Office, as well as pursuing civil litigation for damages under both federal and Florida law. 
Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FORT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA XXXX andXX/XX/XXXX XXXX ( XXXX ) due to identity theft and lack of verification. 
Incorrect Employer Listing : XXXXXX/XX/XXXX BANK XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA XXXX and FCCPA XXXX ( XXXX ) due to identity theft and lack of verification. 
Incorrect Name Listing : XXXX, XXXX, XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA XXXX and FCCPA XXXX ( XXXX ) 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. XXXX ( 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. XXXX ( XXXX ). 
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. XXXX and XXXX 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