Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
This letter serves as my official rebuttal and demand for reopening CFPB case XXXX  XXXX, which was prematurely closed without a proper resolution. The original complaint outlined serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., committed by Experian, Equifax, and TransUnion. 

Your response did not fulfill your legal obligations under FCRA 611 ( a ) ( 7 ), 1681i ( a ) ( 1 ) ( A ), or any relevant section requiring transparency and proper reinvestigation. The matter remains unresolved and must be reopened until Experian provides verifiable proof of compliance. 

XXXX. Failure to Provide XXXX of XXXX XXXX FCRA 611 ( a ) ( 7 ), I have the right to receive a complete method of verification for each disputed item. Your generic response stating that you contacted the furnisher or vendor does not meet this legal requirement. 

For each disputed account including the bankruptcy Experian must disclose : The exact source used to verify the item The name of the XXXXXXXX vendor ( e.g., XXXX, XXXX, etc. ) The contact information for that vendor The date and means of verification ( electronic, mail, database pull, etc. ) To date, none of this information has been provided. Stating that the data furnisher verified it as accurate does not qualify as a method of verification under federal law. 

Furthermore, United States Bankruptcy XXXX do not report directly to any credit bureau. Therefore, your data must have originated from a XXXXXXXX source. Since XXXX has deleted the record from its own system after a similar dispute, Experian is required to do the same, as no lawful or verifiable source remains. 

XXXX. Continued Stall Tactics and False XXXXXXXX Accusations I have submitted my disputes directly to Experian multiple XXXX with proof of identity, Social Security number, and address. Each time, I have been met with stall tactic letters accusing me of using a XXXX  XXXX. 
These false accusations are attempts to delay your legal duty under FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates a reasonable reinvestigation within XXXX  days of receiving a dispute. 

This ongoing misconduct violates : 607 ( b ) Failure to assure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information 611 ( a ) ( 7 ) Failure to disclose method of verification 616617 Civil liability for willful or negligent noncompliance XXXX. Violations of Privacy and Permissible Purpose Experian continues to publish, furnish, and distribute data about me without my written consent, violating 15 U.S.C. 1681b ( a ), which restricts when a consumer reporting agency may legally furnish a consumer report.

I never granted written instruction to furnish, verify, or share any of the disputed accounts listed on my report. 
As a result, Experian has : Violated my right to privacy ( 1681 ( a ) ( 4 ) ) ; Damaged my reputation and creditworthiness ( 1681e ( b ) ) ; and Failed to ensure accuracy and fairness ( 1681 ( b ) ). 

XXXX. Aggravated Identity Theft and Unauthorized Use of Identification Under 18 U.S.C. 1028 ( b ) ( 1 ) ( A ) ( ii ), Experians continued reporting of false or unverified identifiers constitutes the knowing use of a consumers personal identifying information without lawful authority.

You have distributed my personal identifying data to vendors or furnishers without verified consent, constituting aggravated identity theft a federal offense.

XXXX. Demand for Compensation Pursuant to 15 U.S.C. 1681n and 1681o, Experian is liable for both willful and negligent noncompliance. 
I am demanding {$6000.00} in statutory damages for the following violations : Lack of permissible purpose {$1000.00} Defamation of character {$1000.00} Damage to reputation {$1000.00} Damage to creditworthiness {$1000.00} Damage to mode of living {$1000.00} Infringement of privacy {$1000.00} XXXX. Demand for Action and Reopening of CFPB Case CFPB Case XXXX XXXXXXXX was wrongfully closed despite XXXX  non-compliant and incomplete response. 
I am formally requesting that the Consumer Financial Protection Bureau reopen this case until Experian provides : The complete method of verification for each disputed item, identifying the specific vendor, source, and date used; Proof of lawful authority for the continued publication of my personal data ; Deletion of all unverifiable and erroneous accounts, including the bankruptcy ; An updated and corrected credit report reflecting those deletions ; A written compliance confirmation within XXXX business days. 

XXXX. Final Notice ATTN : YOU ARE IN FEDERAL VIOLATION OF MY CONSUMER RIGHTS AND PRIVACY. 
If Experian continues to withhold the method of verification or refuses to remove unverifiable information, I will pursue further legal action under 15 U.S.C. 1681n and 1681o, and refer this matter to state and federal authorities for enforcement.

Company response to consumer: Closed with explanation