Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I, XXXX XXXX, submit this formal complaint against XXXX, XXXX, and Experian for their continued and willful violations of federal consumer protection laws under the FCRA and FDCPA. These violations include unlawful reinsertion of previously deleted accounts without notification, failure to ensure maximum accuracy, failure to investigate disputes within mandated timeframes, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Specific Violations My credit reports include fraudulent accounts and unauthorized inquiries that XXXX, XXXX, and Experian failed to properly investigate despite multiple disputes and supporting evidence. These bureaus have unlawfully reinserted accounts without proper validation, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and 1692g ( b ). 

Accounts involved : XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX, Account XXXX. : XXXX XXXX XXXX Account XXXX. : XXXX XXXX Student Loans, Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violations include : Failure to investigate disputes within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Failure to provide notice before reinserting previously deleted information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Failure to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ).

Failure to validate debt within five days of reporting ( 15 U.S.C. 1692g ( a ) ).

Illegal reinsertion of previously removed information ( 15 U.S.C. 1692g ( b ) ).

Failure to block fraudulent accounts upon receiving proper documentation ( 15 U.S.C. 1681c-2 ( a ) ).

Failure to provide verification details upon request, including contracts and signatures ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Failure to safeguard personal information and comply with identity theft protections ( 15 U.S.C. 1681g ( e ), 18 U.S.C. 1028 ). 

Violations of Florida identity theft statute ( Florida Statute 817.568 ).

CFPB Enforcement Actions and Related Lawsuits : CFPB vs. Experian ( XX/XX/XXXX ) : Failure to investigate disputes and illegal reinsertion of inaccurate information. Link CFPB and FTC vs. TransUnion ( XX/XX/XXXX ) : Settlement for accuracy violations in tenant screening reports. 

CFPB vs. Equifax ( XX/XX/XXXX ) : Lawsuit for repeated FCRA violations and deceptive practices in consumer reporting. 

Demands for Resolution : Immediate and permanent deletion/blockage of fraudulent accounts and unauthorized inquiries.

Written confirmation of these deletions and updated credit reports.

Thorough investigation into fraudulent accounts and inquiries, providing detailed written findings and verification details.

Full compliance with identity theft protections and implementation of fraud alerts and resources.

Assurance against future unauthorized reinsertion and continuous monitoring. 

Conclusion : The persistent violations by XXXX, XXXX, and Experian have caused substantial financial harm and distress. Immediate CFPB intervention is essential to rectify these egregious violations and enforce compliance under 15 U.S.C. 1681n and 1681o. The CFPBs intervention will ensure these bureaus are held accountable and my credit report is permanently corrected. 

Thank you for addressing this critical matter swiftly and effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief