Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail Return Receipt Requested Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute & Demand for Deletion of Inaccurate Credit Reporting Violations of the FCRA, FDCPA, Dodd-Frank Act, and Consumer Protection Laws NOTICE OF FORMAL DISPUTE & HARM This is a formal demand under federal law to delete all inaccurate, misleading, or unverifiable information you continue to report regarding my credit profile.

For five years, your companies have intentionally lowered my credit score, directly causing denial of safe housing opportunities, financial hardship, and emotional anguish. These acts constitute willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Dodd-Frank Wall Street Reform and Consumer Protection Act.

ENFORCEMENT HISTORY AGAINST CREDIT BUREAUS Experian was fined {$3.00} XXXX by the CFPB for deceiving consumers about credit scores ( CFPB Consent Order, XXXX ). 

Equifax & TransUnion ordered to pay over {$23.00} XXXX for deceiving consumers, misrepresenting credit scores, and violating the FCRA ( CFPB Consent Orders, XXXX ). 

This establishes a pattern of systemic abuse by all three CRAs in misrepresenting credit scores and harming consumers.

LEGAL VIOLATIONS 15 U.S.C. 1681i Failure to Reinvestigate CRAs must conduct a reasonable reinvestigation of disputed items and provide the method of verification.

15 U.S.C. 1681s-2 Furnisher Responsibilities Furnishers must not report inaccurate or incomplete information and must correct errors promptly.

15 U.S.C. 1681b Lack of Permissible Purpose CRAs may only provide credit reports for permissible purposes. Reporting false balances and charge-offs beyond statutory limits lacks a lawful purpose.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) Misrepresentation of the legal status, balance, or ownership of debts constitutes prohibited deceptive practices.

Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) Prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). Lowering my credit score without a lawful basis to restrict access to housing constitutes an abusive act.

Civil Rights & Housing By knowingly furnishing false data that bars me from renting safe housing, you are complicit in disparate impact discrimination under the Fair Housing Act ( 42 U.S.C. 3604 ).

DEMANDS I demand the following within 30 days : Immediate Deletion of all unverifiable, inaccurate, or misleading tradelines, charge-offs, or collection accounts from my credit file.

Full Method of Verification for each disputed item, including the furnishers name, address, phone number, documents relied upon, and date of first delinquency.

Written confirmation of whether each CRA has ever sold, shared, or securitized my credit data for profit.

Acknowledgment of my FTC Fraud Reports and CFPB complaints as official evidence of systemic harm.

RESERVATION OF RIGHTS Failure to comply will be treated as willful and negligent violations under : 15 U.S.C. 1681n ( civil liability for willful noncompliance ).

15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

15 U.S.C. 1692k ( damages under FDCPA ).

I reserve the right to pursue statutory damages, actual damages, punitive damages, and attorneys fees in federal court.

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation