Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING / INACCURATE INFORMATION Complaint Summary : I am filing this complaint because a credit reporting agency continues to report inaccurate, unverifiable, and obsolete information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Despite submitting a detailed written dispute, the agency has failed to conduct a lawful and reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and continues to report information that has not been properly verified or documented. This conduct directly violates federal consumer protection laws and has caused damage to my credit profile, financial standing, and personal security. 

In addition, my personal information has been exposed in major data breaches involving credit reporting agencies, which places me at heightened risk for identity theft, fraud, and unauthorized credit activity. Because of this risk, I have explicitly requested that only accurate, verified, and current information remain on my credit file, but the agency has refused to correct or delete false entries. 

Details of the Violation : The agency continues to report multiple disputed tradelines that have not been properly verified, including lenders and accounts that do not belong to me. 

The agency has failed to provide documentation or a method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), despite my written request.

The file still contains outdated and incorrect personal information, including previous addresses and employers that are no longer valid or relevant.

Continued publication of inaccurate personal identifiers violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

If any furnishers are considered debt collectors, the continued reporting of unverifiable debts also violates the FDCPA, including 1692e ( false or misleading representations ) and 1692f ( unfair or unconscionable practices ).

This behavior constitutes negligent and/or willful noncompliance with the FCRA under 1681n and 1681o and poses additional consumer harm due to my exposure in the credit bureau data breaches.

Harm Experienced : My credit reputation and financial opportunities have been harmed due to the presence of inaccurate and unverifiable accounts.

The ongoing listing of outdated addresses and employers increases my vulnerability to identity theft and unauthorized use of my information.

I have spent significant time and effort disputing these items, only to receive form-letter responses or no corrections at all.

The continued failure to correct or delete this information demonstrates disregard for federal law and the heightened data-protection obligations owed to breach victims like myself.

Relief Requested : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : Require the credit reporting agency to conduct a complete and lawful reinvestigation of all disputed accounts and personal identifiers.

Direct the agency to delete all unverifiable, inaccurate, or obsolete items from my consumer file immediately.

Ensure that the agency provides me with a written description of its method of verification for any item that remains on file.

Require removal of all outdated addresses and employer information, leaving only accurate, current identifiers.

Order the agency to issue a free updated copy of my corrected credit report.

Require the agency to notify any parties who have accessed my credit report within the past six months of any deletions or corrections made.

Investigate whether the agencys handling of my dispute violates the FCRAs reinvestigation requirements, the FDCPAs accuracy provisions, and any applicable consumer data protection standards in light of the known data breaches.

Summary Statement : I have made multiple good-faith attempts to correct my file, but the credit reporting agency continues to report false, unverifiable, and outdated information. Their failure to comply with the FCRA and FDCPA undermines my rights as a consumer and exposes me to ongoing financial and identity risks especially given that my information was part of a national credit bureau data breach.

I am requesting that the CFPB investigate this matter and take appropriate enforcement action to ensure full compliance with federal consumer protection laws and the permanent correction of my credit report.

Company response to consumer: Closed with non-monetary relief