Consumer complaint received 2025-10-12 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: WA

Complaint narrative:
I am filing this complaint because all three national credit bureaus TransUnion, Experian, and Equifax have failed to maintain lawful accuracy, verify disputed information, and comply with both federal and Washington State consumer protection laws.

Despite previously mailing verified documentation, including my U.S. Passport Card, Marriage License, and recent utility bill, the bureaus continue to report outdated identifiers, mismatched accounts, and collections from potentially unlicensed agencies. My reports contain multiple discrepancies and errors between TransUnion and Experian, including : 1. Outdated and Unverified Identifiers Former names, obsolete addresses, and outdated employers ( some dating back to XXXX ) remain listed even after identity proof was provided. 
XXXX. XXXX Account Mismatches Accounts such as XXXX XXXX show different statuses, balances, or do not appear on all reports. This violates consistency and accuracy requirements under the FCRA. 
3. Potential Re-Aging of Accounts Some charge-off or collection accounts show removal dates extending beyond the seven-year limit, contrary to FCRA 605 ( a ).

4. Duplicate or Excessive Hard Inquiries Multiple inquiries from the same week related to my car-loan preapproval are listed separately instead of being treated as one permissible-purpose cluster.

5. Outdated Consumer Statement TransUnion continues to publish an older consumer statement from early 2024 that no longer reflects my current dispute position. 
6. Manual Verification and Licensing Compliance Ignored I explicitly requested that all recertifications be conducted manually and that any collection agency reporting on my file be verified as licensed in Washington State. The bureaus have not shown that these verifications were performed or that each collector is authorized under RCW 19.16.110 and RCW 19.16.250.

Under FCRA 607 ( b ), consumer report

ing agencies must follow reasonable procedures to assure maximum possible accuracy.

Under FCRA 611 ( a ) ( 1 ) ( A ), they must conduct a reasonable reinvestigation of disputed items and delete or correct any unverifiable data.

Under RCW 19.182.070 ( 2 ), Washington law requires that consumer reporting agencies promptly delete or modify information found to be inaccurate or unverifiable.

Continuing to report collection accounts from unlicensed agencies violates RCW 19.16.250 ( 21 ) and constitutes unfair or deceptive practices under Washingtons Consumer Protection Act.

I request that the CFPB investigate and require the bureaus to : 1. Manually verify each account and collection furnisher ; 2. Delete all outdated identifiers and unverifiable collection entries ; 3. Confirm each collection agencys Washington State license and authorization to collect ; 4. Correct all re-aged accounts and inconsistent reporting dates ; and 5. Provide me with written confirmation of all deletions and updates. 

This complaint is made in good faith under my rights afforded by the Fair Credit Reporting Act and Washington State law. It does not admit liability for any alleged debts and does not restart any statute of limitations. My only objective is lawful accuracy, full compliance, and correction of the issues outlined above.

Company response to consumer: Closed with explanation