Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Comprehensive CFPB Complaint Pattern of Identity-Theft Mishandling and FCRA Non-Compliance I am submitting this consolidated complaint against Experian, TransUnion, XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX along with reference to other identity-theft-related disputes mishandled by the same credit bureaus, demonstrating a continuing pattern of non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Since early 2025, I have repeatedly submitted identity-theft documentation ( FTC Identity-Theft Report, government ID, proof of address, and detailed lists of fraudulent accounts ) involving several creditors, including but not limited to XXXX XXXX XXXXXXXX XXXX XXXX, and other lenders whose accounts were opened or reported fraudulently. 

In every instance, Experian and TransUnion refused to follow the required XXXX05B blocking procedure, which mandates removal of fraudulent information within four business days once sufficient documentation is provided. Instead, the bureaus reclassified these filings as ordinary reinvestigations under 611, closing them with phrases such as Closed with Explanation or Non-Monetary Relief. Each time, they merely flagged the items as Active Dispute instead of permanently deleting them, even after the furnishers themselves issued deletion requests. 

XXXXXXXX XXXX  XX/XX/year> letter ( CFPB XXXX XXXX. XXXX ) confirms this failure. In that letter, XXXX admitted that the tradeline remains reported as disputed and stated that any deletion or suppression must be handled by the credit bureaus. This proves that both Experian and TransUnion knowingly retained the fraudulent account despite the furnishers acknowledgement. 

The same conduct occurred with XXXX XXXX XXXX, which continued to furnish and collect on a fraudulent debt after receiving my identity-theft documents, violating FCRA 623 ( b ) and the FDCPA 807.

These repeated rejections and downgrades of identity-theft filings across multiple accounts reveal a broader pattern : Experian and TransUnion are systemically substituting dispute flags for true deletions, thereby avoiding the legal requirement to block fraudulent data under 605B. 

Prior CFPB case filings documenting this pattern : XX/XX/year> : Settlement-demand complaint ( Experian, TransUnion, XXXX, XXXX XXXX ) Closed with Non-Monetary Relief ( XXXX XXXX Active Dispute ). 
XX/XX/year> : Experian complaint Closed with Explanation ( Limited Information ). 
XX/XX/year> : Experian and TransUnion complaints Closed with Non-Monetary Relief ( accounts remain Active Dispute ). 
Additional identity-theft disputes filed directly with Experian and TransUnion earlier in 2025 were similarly rejected or mislabeled without the legally required block or deletion. 

Requested action by CFPB : Treat this as a continuing pattern of violations rather than isolated cases. 

Order Experian and TransUnion to permanently delete all fraudulent tradelines previously reported as disputed and confirm compliance in writing. 

XXXX XXXX XXXX and XXXX XXXX XXXX to cease furnishing and confirm that deletion requests have been transmitted to all credit bureaus. 

Initiate supervisory review of the credit bureaus identity-theft-handling procedures and ensure adherence to FCRA 605B and 611 ( a ) ( 5 ) going forward.

Company response to consumer: Closed with non-monetary relief