Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Violations of the FCRA, XXXX XXXX Reporting Standards, and Failure to Investigate Disputes To Whom It May Concern, I am filing this complaint to report serious and ongoing violations by the three national credit reporting agenciesEquifax, Experian, and TransUnionas well as multiple furnishers of inaccurate account information on my credit file. These entities have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Complaint Summary Despite submitting detailed written disputes directly to each credit bureau in accordance with FCRA 611 ( 15 U.S.C. 1681i ), the agencies have failed to : Conduct a reasonable reinvestigation of the disputed accounts Provide or disclose the method of verification Contact or verify with the original creditors Delete or correct clearly inaccurate, outdated, or inconsistent information Provide a full consumer file disclosure as required by FCRA 609 ( 15 U.S.C. 1681g ) Disputed Accounts Include : XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Synchrony Bank XXXX XXXX ( The Bank of Missouri ) XXXX XXXXXXXX XXXX  XXXX XXXX These accounts display material inconsistencies across the three bureaus and exhibit potential violations of XXXX XXXX formatting, particularly in Fields XXXX ( Account Status, Date of First Delinquency, Current Balance, and Payment History ). Some tradelines appear to be re-aged, duplicated, or carry incorrect account status codes. Furnishers have not provided original validation or signed agreements. 

Legal Grounds These violations represent non-compliance with : FCRA 1681e ( b ) Failure to maintain accurate reporting FCRA 1681s-2 ( b ) Furnisher failure to investigate disputed data FCRA 1681g Failure to provide complete consumer file upon request FCRA 1681i ( a ) ( 6 ) No notice of reinvestigation results or verification method SCUTPA Potential violation of South Carolina 's Unfair Trade Practices Act Furthermore, credit bureaus are leveraging third-party data aggregators such as XXXX, XXXX, and XXXX instead of performing direct reinvestigation with the original creditor, which undermines the validity of their responses. 

Relief Requested I respectfully request that the CFPB : Investigate the failure of the XXXX and furnishers to comply with FCRA-mandated dispute handling and verification Require deletion of all accounts that remain unverifiable or noncompliant Enforce statutory damages and corrective actions against any agency found in willful or negligent violation Ensure I receive my full consumer file disclosure from each bureau, free of charge Monitor future compliance through audit or follow-up review I am submitting copies of my disputes, letters, and supporting documentation. I am available to provide further information as needed. 
Thank you for your assistance in protecting my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief