Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G St NW Washington XXXX XXXX XXXX Subject : Complaint Against Experian, XXXX, XXXX for Non-Compliance with FCRA and Improper Handling of Credit Disputes Dear Consumer Financial Protection Bureau , I am filing this formal complaint against Experian, XXXX, XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple attempts to dispute inaccurate information on my credit report, Experian, XXXX, XXXX has failed to conduct a proper investigation and has refused to remove or correct the erroneous data. 

I have submitted several dispute letters to Experian, XXXX, XXXX providing detailed explanations and supporting documentation to demonstrate the inaccuracies on my report. However, Experian, XXXX, XXXX has either failed to respond within the required timeframe or has responded with generic, non-substantive replies that do not indicate a proper investigation was conducted. Additionally, I have found that some of the previously removed inaccurate items were reinserted into my credit report without the proper notification, further violating my rights under the FCRA. 

The recent CFPB lawsuit against Experian, CFPB v. Experian ( XXXX ), highlights a pattern of systemic failures in XXXX dispute resolution process. The lawsuit alleges that Experian engages in sham investigations, fails to properly address consumer disputes, and unlawfully reinserts inaccurate information without notification. My experience aligns with these allegations, as Experian, XXXX, XXXX has continually failed to correct my report despite my repeated efforts to follow the proper dispute process. 

These inaccurate entries on my credit report have negatively impacted my ability to obtain credit, secure employment, and access housing. XXXX, XXXX, XXXX failure to fulfill its legal obligations under the FCRA has caused me financial and emotional distress. I am requesting that the CFPB investigate this matter and take appropriate action to ensure Experian, XXXX, XXXX complies with federal regulations. 

Requested Resolution : 1. Conduct a full investigation into XXXX, XXXX, XXXX handling of my disputes and its failure to comply with the FCRA. 


XXXX. Require Experian, XXXX, XXXX to remove the inaccurate items from my credit report. 


XXXX. Impose necessary regulatory actions to prevent Experian, XXXX, XXXX from continuing these deceptive practices. 



I have attached copies of my dispute letters, Experians, XXXX, XXXX responses ( if any ), my credit reports, and any other supporting documentation for your review. Please let me know if any additional information is needed. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation