Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
TransUnion continues to report an unverifiable XXXX XXXX XXXX charge-off account, while Equifax has failed to provide my credit report despite verified identity. This inaccurate reporting and lack of access have lowered my credit score and resulted in denial of an apartment rental. 

In XX/XX/XXXX, I discovered that TransUnion continues to report a XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX. ) account as an active Charge-Off, even though the account was charged off and sold in XXXX and no longer belongs to XXXX. TransUnions report still shows Reported through XX/XX/XXXX, and XXXX continues to appear as the furnisher. 

On XX/XX/XXXX, I mailed certified reinvestigation requests to TransUnion and Equifax under the Fair Credit Reporting Act ( FCRA 611 ). I asked TransUnion to verify ownership and accuracy of this XXXX XXXX XXXX account and to provide documentation showing how it was verified. I also requested that Equifax provide my complete credit report and all information in my file as required under FCRA 609 ( a ) ( 1 ). 

TransUnion has not provided any documentation showing that XXXX still owns or has the legal right to report this account. The account continues to update monthly as a Charge-Off, even though a charged-off account should show a final status, not continuing activity. Experian no longer reports this account at all, which demonstrates inconsistent and unreliable reporting across credit bureaus. 

Equifax has failed to send me any credit report despite my verified identity. I submitted a copy of my Texas ID, a utility bill, and later my Social Security card as requested by Equifax, yet I have never received a report. At the same time, my Equifax credit scorereported below XXXXhas been used by landlords to deny me an apartment rental. This means Equifax is providing my file to third parties while denying me access to it directly. 

The continued reporting of this XXXX charge-off as active, and Equifaxs failure to provide my report, have caused measurable harm : my credit score remains artificially low, I have been denied rental housing, and my reputation for creditworthiness has been negatively affected. The lack of documentation or ownership verification from XXXX and TransUnion, and the complete absence of transparency from Equifax, have made it impossible for me to correct or understand what is being reported about me. 

These actions violate multiple provisions of the Fair Credit Reporting Act, including 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 615 ( a ). They also demonstrate systemic non-compliance with consumer disclosure rights and reinvestigation duties.

I request that TransUnion immediately delete or correct the XXXX XXXX Services tradeline if ownership and accuracy can not be verified with documentation, and that Equifax release my complete consumer credit report and all data being shared with third parties. Both bureaus should provide written confirmation of the sources used to verify the information they continue to report. 

In addition, Experian has permitted continued soft inquiries from XXXX XXXX XXXX on my credit file even after the account was charged off and sold. These inquiries appear despite there being no active account or permissible purpose under FCRA 604 ( a ) ( 3 ). Experians handling of this matter raises concerns about ongoing data sharing and the lack of uniform accuracy controls among all three credit bureaus. I ask that Experian identify the basis for these continued inquiries and confirm whether XXXX is still an active data furnisher for this account. 

I have acted promptly, provided complete identity verification, and followed every step required under the FCRA before filing this complaint.

Company response to consumer: Closed with non-monetary relief