Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Request to Reopen and Reinvestigate CFPB Complaints CFPB Case XXXX. XXXX & XXXX To the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX that you reopen and fully reinvestigate my complaints against XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX reporting agencies XXXX, Equifax, Experian, and TransUnion. My complaints were closed without merit despite clear statutory violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am actively pursuing legal representation to enforce my rights and need the CFPB to compel a proper, documented investigation. 
XXXX. Summary of XXXX and XXXX Violations XXXX. Failure to provide furnisher notice within XXXX business days ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 
XXXX. Failure to conduct a reasonable reinvestigation within XXXX  days ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ). 
XXXX. Failure to delete or modify unverifiable or time-barred information ( XXXX XXXX. XXXX ( a ) ( XXXX ), XXXX ( a ) ). 
XXXX. Furnishers refusal to investigate or correct disputed tradelines within XXXX  days ( XXXX XXXX. XXXX ( b ) ( XXXX ) ). 
XXXX. False, misleading, or unfair debt collection tactics in violation of FDCPA XXXX & XXXX. 
XXXX. Specific Infractions by Entity XXXX XXXX XXXX / XXXX XXXX XXXX Sued me in XXXX XXXX XXXX, TX Cause No. XXXX, then nonsuited without prejudice on XX/XX/XXXX, XXXX left the tradeline active and subject to resale or re-filing. 
Courts have sanctioned similar conduct as willful violations of the FDCPA and FCRA ( XXXX XXXX XXXX XXXX, XXXX, No. XXXX ( XXXX Cir. XXXX ) ) ; XXXX v. XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX XXXX, XXXX ) ( affirming FCRA duties even in identity-theft contexts ). 
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Reported charged-off accounts beyond the seven-year reporting limit ( XXXXXXXX XXXX XXXX ( a ) ( XXXX ) ( XXXX ) ). 
Subject of a CFPB consent order requiring disclosure and banning collection of time-barred debt ( CFPB v. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ). 
XXXX XXXX reversed summary judgment and remanded for FCRA XXXX failures ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX CFPB complaint XXXX. XXXX on XX/XX/XXXX with a promise to delete a XXXX XXXX XXXX XXXXXXXX XXXX daysbut provided no proof to the credit bureaus of deletion or reinvestigation steps. 
Continued pursuit of alleged debts without validation violates FDCPA XXXX and FCRA reinvestigation duties ( XXXX XXXX. XXXX ). 
XXXX XXXX XXXX  XXXX to conduct meaningful reinvestigations of my disputes, issuing boilerplate denials without reviewing consumer-submitted evidence. 
Repeatedly reported disputed and inaccurate information across multiple bureaus, contravening FCRA XXXX ( investigation ) and XXXX ( furnisher duties ). 
Consumer Reporting Agencies ( XXXX, Equifax, Experian, TransUnion ) Issued Closed with Explanation letters without : Furnisher notifications Consideration of my evidence Deletion of unverifiable or time-barred entries Such rubber-stamp investigations violate FCRA XXXX ( a ) ( XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 
XXXX. My Ongoing Harm and Legal Rights I am an XXXX XXXX XXXX XXXX XXXX veteran with a 100 % service-connected XXXX. I suffer from XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX with night terrors, and short-term memory impairments that necessitate AI-assisted drafting of legal arguments. The relentless burden of correcting these credit-reporting errors and abusive collection tactics has : Exacerbated my physical and mental health conditions Damaged my creditworthiness, blocking essential financing for medical care and adaptive housing Undermined my familys financial security Under the FCRA, I am entitled to a reasonable reinvestigation ( XXXX XXXX XXXXXXXX ), prompt furnisher notice, and correction or deletion of inaccurate or outdated information. Under the FDCPA, I am protected from false, misleading, and unfair collection practices ( XXXXXXXX XXXX XXXX XXXX  ). Courts have repeatedly held that consumers facing such violations are entitled to statutory damages, costs, and attorneys fees ( XXXX XXXX. XXXX ; XXXX ). 
XXXX. Request for CFPB XXXX I respectfully request that the CFPB : XXXX. Reopen and reinvestigate CFPB XXXX XXXX. XXXX & XXXX XXXX. Verify that furnishers were notified of my disputes within XXXX business days ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) XXXX. Confirm a documented, reasonable reinvestigation under XXXX ( a ) XXXX. Enforce deletion or correction of all unverifiable, inaccurate, or time-barred items ( XXXX XXXX. XXXX ( a ) ( XXXX ), XXXX ( a ) ) XXXX. Monitor for potential resale or re-filing of dismissed debts and ensure no retaliation occurs I am actively seeking legal counsel to enforce my rights through private litigation if necessary. Am I wrong to pursue this matter? Absolutely notfederal law and binding case law firmly support full consumer protection in these circumstances. 
Thank you for your prompt attention to this urgent request. 
Respectfully, XXXX XXXX XXXX XXXX, TX ( XXXX ) XXXX XXXX References [ XXXX ] XXXX XXXX XXXX XXXX, XXXX, No. XXXX ( XXXX Cir. XXXX. XXXX, XXXX ) [ XXXX ] XXXX v. XXXX XXXX, XXXX, XXXX. XXXX ( XXXX Cir. XXXX XXXX, XXXX ) [ XXXX ] XXXX  XXXX FCRA Violations : Know Your Rights, XXXX XXXX ( XXXX ) [ XXXX ] Consumer Complaints Against XXXX XXXX XXXX XXXX, Stop Collections ( XXXX ) [ XXXX ] CFPB XXXX XXXX XXXX XXXX, et al., Proposed Stipulated Final Judgment & Order ( XXXX XXXX, XXXX ) [ XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX XXXX No. XXXX ( XXXX Cir. XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief