Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
From XX/XX/XXXX through the present, Experian, Equifax, and TransUnion have reported a repossession related to a XXXX XXXX XXXX lease that is inaccurate, misleading, and legally disputed. 

The underlying account was initiated on XX/XX/XXXX, and financed by XXXX XXXX XXXX XXXX ( XXXX ). This lease contract contains a mandatory arbitration clause. Formal arbitration was initiated on XX/XX/XXXX, and is still pending. Nevertheless, the vehicle was wrongfully repossessed on XX/XX/XXXX, without legal process and in violation of UCC 9-609, the Federal Arbitration Act, and Truth in Lending Act ( TILA ) disclosures. 

The credit bureaus are currently reporting the repossession without any notation of the legal dispute, arbitration status, or the fact that the account is under formal regulatory review. This failure constitutes the following violations by Experian, Equifax, and TransUnion : Violations by the Credit Bureaus : Failure to Conduct a Reasonable Investigation Under 15 U.S. Code 1681i, when a consumer disputes the accuracy of a tradeline, the credit bureau must conduct a timely and reasonable investigation. Despite multiple disputes submitted since XXXX, no adequate correction or reinvestigation has occurred. 

Failure to Mark Account as Disputed Under 15 U.S. Code 1681s-2 ( a ) ( 3 ), bureaus and furnishers are required to mark accounts as disputed when a consumer challenges the validity. None of the bureaus have flagged the XXXX tradeline as disputed despite being notified of pending arbitration. 

Continuing to Report Inaccurate Information Per 15 U.S. Code 1681e ( b ), credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy. The repossession, enforcement, and creditor information reported are materially misleading and legally incorrect.

Violations of the Consumer Financial Protection Act ( CFPA ) The bureaus failure to respond to arbitration-related reporting conflicts violates the CFPAs prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ), especially in cases where the consumer is harmed by inaccurate reporting that undermines access to credit and legal remedies.

What I Am Requesting : Immediate deletion of the repossession and all related derogatory marks from my credit reports across all three bureaus. 

Blocking or suppression of the XXXX tradeline while arbitration and regulatory complaints remain open. 

Investigation into the credit bureaus failure to comply with FCRA and consumer reporting obligations. 

Consideration of monetary relief for damage to credit standing, financial hardship, and emotional distress. 

Supporting documentation, including proof of arbitration filing and notices to all bureaus, is available upon request. The continued failure to correct these violations represents a systemic breakdown in fair credit reporting standards and consumer protection.

Company response to consumer: Closed with explanation