Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
1. Experian Violation : Failure to conduct a reasonable investigation of disputed accounts.

Law Violated : 15 U.S.C. 1681i ( a ) Date of Violation : Ongoing, dispute submitted multiple times, most recently in 2025. 

Description : XXXX failed to conduct a reinvestigation of disputes and improperly reinserted inaccurate information without notifying the consumer. 

Violation : Mishandling of consumer data, leading to identity theft risks.

Law Violated : 15 U.S.C. 1681b, Gramm-Leach-Bliley Act ( GLBA ) Date of Violation : XXXX Description : Failure to safeguard consumer data, increasing exposure to fraud following multiple data breaches in XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX Data breaches .

Violation : Sham investigation of credit disputes and failure to correct errors.

Law Violated : 15 U.S.C. 1681i ( a ) Date of Violation : Ongoing XXXX Description : XXXX did not thoroughly investigate disputes and instead automatically sided with furnishers without validating information, a violation identified in a CFPB lawsuit against XXXX. 



-- - XXXX. Equifax Violation : Reinserted previously deleted negative information without consumer notification. 

Law Violated : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Date of Violation : XXXX Description : Equifax allowed XXXX errors to reappear without informing the consumer, damaging credit scores unlawfully. 

Violation : Failed to investigate consumer disputes, leaving inaccurate information on file. 

Law Violated : 15 U.S.C. 1681s-2 ( b ) Date of Violation : Ongoing since XXXX Description : CFPB fined Equifax {$15.00} XXXX for failing to investigate consumer disputes properly and ignoring supporting documentation provided by consumers. 

Violation : Sharing incorrect credit scores with lenders. 

Law Violated : 15 U.S.C. 1681e ( b ) Date of Violation : XXXX Description : Coding errors within Equifaxs system led to the miscalculation of credit scores for thousands of consumers, negatively impacting lending decisions. 



-- - XXXX. TransUnion Violation : Failed to properly investigate disputed accounts. 

XXXX Violated : XXXX U.S.C. XXXX ( a ) Date of Violation : Ongoing since XXXX Description : XXXX ignored consumer dispute filings and continued reporting inaccurate information without verification. 

Violation : XXXX deleted collection accounts without notice. 

XXXX Violated : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) Date of Violation : XXXX Description : After a successful dispute, XXXX unlawfully XXXX previously removed collection accounts without informing the consumer. 

Violation : Mishandling consumer financial data, contributing to fraud risks. 

XXXX Violated : XXXX U.S.C. XXXX, GLBA Date of Violation : XXXX Description : Following the National Public XXXX XXXX XXXX XXXX XXXX XXXX implement stronger security measures, exposing consumer credit files to potential fraud. 



-- - XXXX XXXX XXXX XXXX XXXX XXXX Falsely reporting a fully paid-off auto loan as delinquent ( 180 days past due ). 

XXXX Violated : XXXX U.S.C. XXXX ( a ), UCC XXXX XXXX Tender of Payment ) Date of Violation : XXXX Description : Credit Acceptance refuses to acknowledge securities tendered as payment and falsely claims the consumer owes a balance, causing severe credit damage. 

Violation : XXXX fraud by refusing to process XXXX as proof of payment. 

XXXX Violated : XXXX XXXX, Banking XXXX of XXXX Date of Violation : XXXX Description XXXX XXXX XXXX XXXXailed to XXXX XXXX tender, violating UCC regulations on debt XXXX. 



-- - XXXX. XXXX XXXX Violation : Fraudulent debt collection and failure to acknowledge securities-based payment. 

XXXX Violated : XXXX XXXX, XXXX XXXX. XXXX Date of Violation : XXXX Description : XXXX continued XXXX efforts despite receiving lawful securities as tender, violating consumer rights under UCC tender XXXX payment laws. 



-- - XXXX. XXXX XXXX XXXX  XXXX : Illegally maintaining an invalid debt and damaging the consumers credit profile. 

XXXX Violated : XXXX XXXX, XXXX XXXX. XXXX ( a ) Date of Violation : XXXX Description XXXX XXXX XXXX XXXXXXXX refused XXXX XXXX XXXX XXXX and continued reporting false delinquency data to credit bureaus.

Company response to consumer: Closed with non-monetary relief