Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Equifax and TransUnion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has once again neither corrected nor removed disputed items causing ongoing harm to my credit standing. I am again requesting immediate corrective action to remove the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. Equifax has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

On XX/XX/year>, I submitted my initial complaint to the CFPB against Equifax and TransUnion for their continued reporting of a discharged XXXX XXXX bankruptcy ( Reference No. XXXX ) on my credit reportsdespite this item being previously disputed multiple times and successfully deleted by XXXX  due to its inability to verify the record. In contrast, Equifax and TransUnion failed to take appropriate corrective action. 

To date, Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information. Instead of verifying the accuracy of the bankruptcy, Equifax continues to report it without providing the legally required documentation to support its inclusion on my credit file. 

My experience reflects the systemic failures recently highlighted in the CFPBs lawsuit against Equifax and XXXX, which outlines routine violations such as : Failing to forward consumer-provided evidence to furnishers Accepting unreliable responses from third-party vendors ( e.g., XXXX ) Failing to adequately notify consumers of dispute outcomes These issues align exactly with what I have experienced. I have repeatedly requested that Equifax and TransUnion provide verification of the bankruptcyincluding who verified it, when, and by what methodyet no documentation has been provided. The account continues to appear on my credit report, unresolved and unverifiable.

Despite submitting multiple disputes, Equifax issued conflicting and misleading responses, stating that investigations were completed, but leaving the bankruptcy reporting unchanged. These misleading statements violate both the FCRA and the Consumer Financial Protection Act ( CFPA ), specifically under the prohibition of unfair and deceptive acts and practices ( UDAAPs ). 

Dispute Confirmation Numbers Submitted : XXXX submitted on XX/XX/year>, marked " completed '' on XX/XX/year> XXXX submitted on XX/XX/year>, marked " completed '' on XX/XX/year> XXXX submitted on XX/XX/year>, marked " completed '' on XX/XX/year> Despite these efforts, neither bureau has removed the bankruptcy or provided any legally sufficient explanation. I am now resubmitting this complaint as both Equifax and TransUnion continue to report unverifiable and misleading derogatory information, in violation of 15 U.S.C. 1681e ( b ) and 1681i, and despite XXXX having already removed the same entry based on the same evidence.

This continued reporting is materially damaging my creditworthiness and impeding my financial recovery, and I am requesting the CFPB take prompt enforcement action to ensure full compliance with the law.

Company response to consumer: Closed with explanation