Consumer complaint received 2025-12-06 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: GA

Complaint narrative:
I am filing this complaint because TransUnion, Experian, Equifax, and XXXX have failed to comply with the Fair Credit Reporting Act ( FCRA ) after receiving my complete written dispute packet. 
Despite providing full identification, proof of address, and detailed documentation, the reporting agencies continue to publish : Inaccurate information Unverifiable information Outdated personal information False derogatory reporting Information furnished without permissible purpose Incorrect employment data Incorrect address history Improperly coded payment history Unauthorized inquiries Information from furnishers who violated federal law My dispute packet included exhibits and specific evidence showing these inaccuracies, but the agencies failed to correct them. 

XXXX. Failure to Correct Inaccurate and Unverifiable Tradeline Information My credit file contains several entries that include : Conflicting status information Payment histories that do not match the documentation Derogatory indicators that are unsupported and unverifiable Information that does not match the creditors own records XXXX XXXX XXXX coding Derogatory reporting for periods where accurate records show the accounts were current ( See pages XXXX of my packet ) Dispute Packet The CRAs have kept this information on my file despite being unable to verify it. 

This violates : FCRA 607 ( b ) maximum possible accuracy FCRA 611 ( a ) reasonable reinvestigation FCRA 611 ( a ) ( 5 ) unverifiable information must be deleted FCRA XXXX ( b ) duty of furnishers to correct and update information 3. Furnisher Violations & Continued Reporting of Unvalidated Information One furnisher included in my packet failed to : Validate a debt after receiving a written request Cease communication after a cease-and-desist notice Provide any documentation supporting the information being furnished Stop collection attempts ( continued repeatedly through text messages ) Harassment continued on the following dates : XX/XX/year>, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX and XXXX ( See pages XXXX of packet ) Dispute Packet Despite this, the reporting agencies continue publishing this information. 

This violates : FDCPA 1692g ( b ) no continued collection without validation FDCPA 1692c ( c ) contact after cease-and-desist FDCPA 1692d harassment FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ) reporting and reinvestigation duties 4. Unauthorized Hard Inquiries My credit file contains inquiries that I did not authorize, and the reporting agency did not provide : A permissible purpose Written authorization Proper certification This violates : FCRA 604 ( a ) permissible purpose requirement FCRA 604 ( f ) certification of purpose 5. False & Misleading Dispute Response by TransUnion In their recent CFPB response, TransUnion stated that several items of personal information including addresses and employment entries had been removed. 

This statement was false. 
These items still appear on my TransUnion report. 

This constitutes : Failure to conduct a reasonable investigation Failure to accurately respond to a consumer dispute Providing false information to a federal regulator Violations include : FCRA 607 ( b ) FCRA 611 ( a ) FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) FCRA 610 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681n willful noncompliance 6. Inaccurate Personal Information Being Reported The bureaus are reporting multiple wrong addresses and incorrect employer names, which appear in my credit reports despite being : Outdated Never associated with me Not supported by any furnished documentation ( See page 13 of my packet ) Dispute Packet These inaccuracies expose me to identity risk and violate : FCRA 607 ( b ) FCRA 611 ( a ) FCRA 609 ( a ) I have repeatedly disputed these items, and they remain. 

XXXX. XXXX XXXX XXXX Freeze Ignored My files with : XXXX XXXX XXXX XXXX XXXX XXXX / ID Analytics are frozen. 
These agencies can not legally be used for : Reinvesigation Verification Furnishing information Identity matching Doing so violates : FCRA 604 ( a ), 604 ( f ), 607 ( b ), 611, 623 8. Dispute Packet Provided My formal dispute packet included : Identification Proof of address Dispute letter Exhibits showing inaccurate reporting Cease & desist letter Debt validation request Harassment evidence Dispute Packet The CRAs did not handle the dispute properly.

9. Requested Resolution I request that the CFPB direct TransUnion, Experian, Equifax, and XXXX to : Delete all inaccurate, unverified, or inconsistently reported information included in my dispute packet. 

Correct all payment history errors and remove any late-payment indicators that can not be verified. 

Remove all unauthorized inquiries. 

Remove all inaccurate addresses and employer information. 

Cease reporting information from furnishers who violated federal law. 

Conduct a full manual reinvestigation. 

Provide complete Methods of XXXX for any information retained. 

Cease relying on automated e-OSCAR responses. 

Comply with all FCRA and FDCPA obligations going forward. 

XXXX. Consumer Harm These violations have caused : Denial of credit Higher interest rates Harm to reputation Significant time and cost to correct errors Emotional distress Harassment by unvalidated collectors

Company response to consumer: Closed with non-monetary relief