Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT LETTER Disputing All Negative Items Across All Three Bureaus Subject : Formal Complaint Against Experian, Equifax, and TransUnion for Systemic FCRA Violations, Sham Investigations, and Noncompliance with Federal and Industry Standards ________________________________________ Consumer Information : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Number XXXX XXXX Email Address : XXXX ________________________________________ Complaint Summary : I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX XXXX, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 
Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX XXXX. XXXX ( a ). 
Instead, they rely on the deeply flawed and automated XXXX system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 
________________________________________ Violations and Legal Basis : The following violations form the basis of this complaint : XXXX U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of XXXX has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ________________________________________ Historical CFPB Enforcement Actions for Reference : This is not an isolated incident. The CFPB has already issued enforcement actions against these same entities : CFPB v. Experian ( XXXX ) : For misleading consumers and failing to properly investigate disputes. 
CFPB v. Equifax ( XXXX ) : For failure to correct inaccurate data and deceptive practices. 
These cases show a pattern of noncompliance that persists despite regulatory intervention. 
________________________________________ Nature of the Disputed Items : I am disputing the following categories of data, which have been verified without sufficient documentation : Late payments Charge-offs Collections XXXX  inquiries Student loans ( unvalidated promissory notes or balances ) Duplicated or fragmented tradelines Incorrect personal identifiers ( past addresses, name variations ) In each case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher. The data remains on my credit reports unverified, and therefore in violation of FCRA XXXX. 
________________________________________ Real-World Harm : Because of these inaccuracies, I have suffered the following adverse effects : Denied financing for [ mortgage/car/personal loan ] Higher interest rates on approved credit Reputational damage due to reported delinquencies XXXX XXXX caused by repeated, unlawful verification responses These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 
________________________________________ Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : XXXX. Immediately delete all negative items previously disputed that can not be verified with complete documentation XXXX. Cease reporting unverifiable data and require original source validation for all disputes XXXX. Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation XXXX. Certify in writing that corrective actions have been taken and notify all furnishers and XXXX users of the updated informat Deadline for XXXX : I request full resolution within XXXX business days. If this matter is not resolved in compliance with XXXX XXXX. XXXX, I will pursue private legal action under FCRA XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ), including all applicable damages and legal fees. 
Closing XXXX : The FCRA was enacted to protect consumers like myself from exactly this type of systemic abuse. The current credit reporting ecosystem fails to meet basic legal standards, and this complaint serves as both a call to action and formal demand for enforcement. I respectfully request the CFPB to hold these entities accountable. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation