Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am filing this complaint because I have been repeatedly denied my rights under the Fair Credit Reporting Act and the behavior of Experian, TransUnion, and multiple furnishers has caused me real harm. I have gone through months of disputes where the bureaus ignored my evidence, rejected my disputes without investigation, and used stall tactics claiming my letters did not appear to be authorized even though every letter was personally written and signed by me. These actions have prevented proper reinvestigation and allowed inaccurate and unverifiable accounts to stay on my credit reports. 

The pattern is the same with every bureau. Instead of investigating, they sent me form letters claiming I might be using a third party so they would not process my dispute. In my documents on file, you can see that Experian and TransUnion repeatedly closed my disputes and even my CFPB complaints by using the same false assumption. This is a direct violation of FCRA section XXXX which requires a reasonable reinvestigation when a consumer disputes inaccurate information. They used this excuse to avoid conducting the investigation they are legally required to perform. I have made it clear in writing that I am the only author of my disputes, and the law does not require any consumer to hand write or uniquely format their own letters. 

The bureaus also continued reporting accounts that were clearly unverifiable or full of contradictions. For example, multiple accounts show impossible combinations of data such as Closed and Chargeoff at the same time, different dates of last activity, different balances, different comments, and different payment histories across the XXXX bureaus. According to XXXX standards, this kind of conflicting coding is prohibited and violates the requirement for consistent and uniform reporting. It also violates FCRA section XXXX b which requires maximum possible accuracy. 

Across the accounts from XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, not a single furnisher has produced a signed contract, a billing statement, a proof of assignment, or any original documentation proving these debts belong to me. As a verified Equifax XXXX XXXX victim, I have reason to believe some of this reporting is the result of identity misuse or data contamination. This is especially clear when XXXX bureau like Equifax has already deleted an account such as XXXX XXXX because they could not verify it, but Experian and TransUnion continue reporting it anyway with conflicting information. 

The stall tactics, inaccurate coding, and refusal to investigate have caused emotional distress, financial harm, and real barriers to housing and credit opportunities. I have been forced to spend months resubmitting disputes that should have been handled correctly the first time. The bureaus and furnishers failed to provide any evidence to support these accounts but continue reporting them even after notice, which violates FCRA section XXXX and section XXXX XXXX b.

Company response to consumer: Closed with non-monetary relief