Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, and Experian for systematic violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) that mirror the exact same unlawful practices the CFPB has recently penalized these companies for committing. My credit scores are severely damaged ( XXXX across bureaus ) due to inaccurate negative accounts that these companies refuse to properly investigate despite over one year of disputes. 
DETAILED COMPLAINT : LEGAL VIOLATIONS : These companies are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Sections 1681e ( b ) ( maximum possible accuracy ), 1681i ( reasonable reinvestigation ), and 1681s-2 ( furnisher responsibilities ). They are also violating the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) through unfair, deceptive, and abusive practices that take unreasonable advantage of my inability to protect my interests in accurate credit reporting. 
RECENT CFPB ENFORCEMENT ACTIONS PROVING PATTERN OF VIOLATIONS : My case demonstrates the identical violations the CFPB has already penalized : 1.EQUIFAX - The CFPB fined Equifax {$15.00} XXXX ( XX/XX/year> ) for failing to thoroughly investigate consumer disputes, ignoring consumer documents, allowing reinsertion of deleted inaccuracies, and using flawed software. Equifax is committing these exact same violations in my case. 
2.EXPERIAN - The CFPB sued Experian ( XX/XX/year> ) for conducting " sham investigations, '' using faulty intake procedures, uncritically accepting furnisher responses, and improperly reinserting inaccurate information. Experian is conducting these same sham investigations on my disputes. 
3.TRANSUNION - TransUnion paid {$23.00} XXXX in class action settlements for failing to remove disputed information, demonstrating the same pattern of non-compliance affecting my case. 
SPECIFIC INACCURATE ACCOUNTS CAUSING HARM : XXXX XXXX accounts XXXX Multiple negative accounts across all three bureaus that are unverifiable and inaccurate XXXX XXXX  accounts - Mortgage-related derogatory items on Equifax and Experian without proper documentation XXXX XXXX account - Negative status on TransUnion and Experian without verification XXXX XXXX  accounts XXXX Derogatory reporting across all three bureaus without proper investigation XXXX XXXX XXXX  account - Negative Equifax reporting without verification XXXX XXXX  XXXX XXXX account - Negative Experian reporting without proper documentation SHAM INVESTIGATION PRACTICES : All three bureaus have conducted the same " sham investigations '' the CFPB sued Experian for : Generic responses without meaningful review of my evidence Uncritical acceptance of furnisher claims without independent verification Failure to implement adequate procedures to prevent reinsertion of deleted items Ignoring consumer-provided documentation contradicting furnisher claims FINANCIAL HARM : Current FICO scores : Equifax XXXX, TransUnion XXXX, Experian XXXX ( all " Poor '' ) Credit utilization over 110 % due to inaccurate reporting Unable to obtain credit at reasonable rates Denied for loans, credit cards, and housing Higher insurance premiums due to credit-based scoring Lost employment opportunities requiring credit checks PATTERN OF INDUSTRY-WIDE NON-COMPLIANCE : My case provides evidence that these companies continue the same unlawful practices the CFPB has already identified and penalized. Despite recent enforcement actions totaling over {$60.00} XXXX in penalties, these companies refuse to reform their practices and continue violating federal law. 
REQUESTED RELIEF : 1.Immediate investigation and correction of all inaccurate information 2.Monetary damages for financial harm caused by willful FCRA violations 3.Enforcement action against these companies for continued non-compliance 4.Civil money penalties to deter future violations 5.Systemic reform of their dispute investigation procedures SUPPORTING EVIDENCE : I have submitted comprehensive dispute letters citing all applicable federal laws, recent CFPB enforcement actions, and current case law. I have provided proper identity verification and detailed explanations of each inaccuracy. Despite this, all three bureaus continue to engage in the same unlawful practices the CFPB has already penalized them for. 
CONCLUSION : This complaint demonstrates that Equifax, TransUnion, and Experian are continuing the exact same systematic violations of federal consumer protection laws that have already resulted in millions of dollars in CFPB penalties. Their refusal to properly investigate disputes and continued reporting of inaccurate information constitutes willful non-compliance with the FCRA and CFPA. I request immediate CFPB intervention to compel compliance with federal law and appropriate penalties for their continued violations. 
The credit reporting industry 's systematic disregard for federal law must be addressed through vigorous enforcement action. My case provides clear evidence of ongoing violations that warrant immediate regulatory intervention.

Company response to consumer: Closed with non-monetary relief