Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
COMPLAINT SUMMARY I am filing this complaint against all three major credit reporting agencies for systematic violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), and Privacy Act. Despite sending comprehensive, legally compliant dispute letters on XX/XX/year>, these agencies continue to report multiple inaccurate accounts, collection items, and personal information that violate federal consumer protection law. 

DETAILED COMPLAINT NARRATIVE I. BACKGROUND AND DISPUTE SUBMISSION On XX/XX/year>, I submitted comprehensive, notarized dispute letters to all three credit reporting agencies challenging the accuracy of multiple accounts, collection items, and personal information on my credit reports. These disputes were sent via certified mail with proper legal notice, comprehensive federal law citations, and explicit rejection of automated verification systems. 

The disputes documented systematic violations across all three bureaus and demanded immediate compliance with federal consumer protection statutes. 

XXXX. SYSTEMATIC FCRA VIOLATIONS BY AGENCY A. TRANSUNION LLC - MULTIPLE ACCOUNT VIOLATIONS Disputed Accounts with Continued Violations : XXXX. XXXX CARD CHARGE-OFF ACCOUNT Status : Charge-off with {$4300.00} balance Violation : Account previously disputed and marked " resolved '' without proper validation Legal Basis : XXXX U.S.C. XXXX ( b ), XXXX ( a ), XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE ACCOUNT Status : Charge-off with {$19000.00} balance Violation : Account marked " dispute resolved '' without substantive investigation Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1692e 3. XXXX XXXX XXXX XXXX XXXX ACCOUNTS ( Multiple ) Status : Multiple accounts showing XXXX days past due Violation : Inaccurate payment history and delinquency reporting Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ) XXXX. COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX : {$52.00} balance XXXX XXXX XXXX Collection : {$190.00} balance Violation : Accounts marked " disputed by consumer '' without proper debt validation Legal Basis : 15 U.S.C. 1681e ( b ), 1692e, 1692g Personal Information Violations : Incorrect Name Variations : " XXXX XXXX '' and " XXXX, XXXX, R '' Incorrect Addresses : Multiple XXXX, MD and XXXX XXXX, MD addresses Incorrect Employment : XXXX XXXX, XXXX XXXX XXXX XXXX EXPERIAN INFORMATION SOLUTIONS INCXXXX - SYSTEMATIC VIOLATIONS Disputed Accounts with Continued Violations : XXXX. XXXXXXXX XXXX  CHARGE-OFF ACCOUNT Status : Charge-off with {$4300.00} balance Violation : Account marked " Previously In Dispute - Now Resolved '' without proper validation Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1692e, 1692g 2. CAPITAL ONE AUTO FINANCE ACCOUNT Status : Charge-off with {$19000.00} balance Violation : Account marked " Previously In Dispute - Now Resolved '' without substantive investigation Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1692e 3. XXXX XXXX XXXX XXXX XXXX  ACCOUNTS ( Multiple ) Status : Multiple accounts showing 180 days past due Account Balances : {$1900.00}, {$2900.00} Violation : Inaccurate payment history and delinquency reporting Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ) 4. COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : {$1000.00} balance XXXX XXXX XXXX Collections ( Multiple ) : {$910.00}, {$780.00}, {$470.00} balances Violation : Debt buyer reporting without proper chain of title, marked " Dispute Resolved - Consumer Disagrees '' Legal Basis : 15 U.S.C. 1681e ( b ), 1692e, 1692g Personal Information Violations : Incorrect Name Variations : " XXXX XXXX '' and " XXXX XXXX '' XXXX Addresses : Multiple Maryland addresses and incorrect zip code Incorrect Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC - COLLECTION ACCOUNT VIOLATIONS Disputed Accounts with Continued Violations : XXXX. XXXXXXXX XXXX CHARGE-OFF ACCOUNT Status : Charge-off with {$4300.00} balance Violation : Account showing extensive charge-off history without proper validation Legal Basis : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1692e, 1692g 2. XXXX XXXX XXXX XXXX XXXX  ACCOUNTS ( Multiple ) Status : Multiple accounts showing XXXX days past due Account Balances : {$1900.00}, {$2900.00} Violation : Inaccurate payment history and delinquency reporting Legal Basis : XXXX U.S.C . 1681e ( b ), 1681i ( a ) XXXX. COLLECTION ACCOUNTS : XXXX XXXX XXXX Collection : {$1000.00} balance XXXX XXXX XXXX XXXX XXXX : {$52.00} balance XXXX XXXX XXXX Collections ( Multiple ) : {$910.00}, {$780.00}, {$470.00} balances XXXX XXXX XXXX Collection : {$190.00} balance Violation : Multiple collection accounts marked " Consumer disputes this account information '' or " Consumer disputes after resolution '' Legal Basis : 15 U.S.C. 1681e ( b ), 1692e, 1692g Personal Information Violations : Incorrect Addresses : XXXX, MD address Incorrect Employment : XXXX XXXX, XXXX XXXX XXXX XXXX. LEGAL FRAMEWORK AND CONTROLLING AUTHORITY A. Fair Credit Reporting Act Violations 15 U.S.C. 1681e ( b ) - Accuracy Requirements : All three agencies continue to report disputed information without proper verification, violating accuracy standards.

15 U.S.C. 1681i ( a ) - Investigation Requirements : All three agencies have failed to conduct reasonable investigations of disputed accounts, with many marked as " resolved '' or " dispute resolved '' without substantive verification.

15 U.S.C. 1681i ( a ) ( 5 ) - Results Notification : Agencies have failed to provide proper written results of investigations showing verification methods.

B. Fair Debt Collection Practices Act Violations 15 U.S.C. 1692e - False Representations : Multiple collection accounts continue reporting without proper debt validation.

15 U.S.C. 1692g - Debt Validation : Collection agencies and credit bureaus have failed to provide proper debt validation documentation.

C. Privacy Act Violations 5 U.S.C. 552a ( e ) ( 5 ) - Accuracy Requirements : Personal information inaccuracies violate federal accuracy requirements. 

XXXX XXXX Federal Precedent XXXX XXXX XXXX XXXX Bank, XXXX. : Establishes duty for reasonable investigation beyond automated verification and prohibits reliance solely on furnisher verification. 

XXXX XXXX Trans Union XXXX : Establishes liability for continued reporting after notice of inaccuracy. 

XXXX XXXX XXXX v. XXXX : Defines willful noncompliance standard for statutory damages. 

IV. EVIDENCE OF SYSTEMATIC VIOLATIONS A. Comprehensive Legal Notice All dispute letters sent XX/XX/year> with comprehensive federal law citations Explicit rejection of automated verification systems ( E-Oscar ) Proper notarization and certified mail service Detailed debt validation demands under FDCPA XXXX. Pattern of Non-Compliance TransUnion : Multiple charge-off accounts, student loans, and collections with inadequate investigation Experian : Accounts marked " Previously In Dispute - Now Resolved '' without proper validation Equifax : XXXX collection accounts marked " Consumer disputes '' without resolution XXXX Constitutional Violations Fifth Amendment Due Process : Denial of fair procedures for dispute resolution Fourteenth Amendment Equal Protection : Discriminatory application of investigation standards V. HARM TO CONSUMER A. Credit Score Impact The continued reporting of inaccurate information severely impacts my credit scores : Equifax FICO XXXX : XXXX ( Poor ) TransUnion XXXX XXXX : XXXX ( Poor ) Experian FICO XXXX : XXXX ( Poor ) B. Access to Credit Inaccurate reporting prevents access to credit on favorable terms and affects employment opportunities.

C. Financial Harm Higher interest rates and denied credit applications result in quantifiable financial damages.

Company response to consumer: Closed with explanation