Consumer complaint received 2025-03-28 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 Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. The bureaus have repeatedly removed fraudulent accounts and unauthorized inquiries only to unlawfully reinsert them without validation, constituting severe violations of 15 U.S.C. 1692g ( a ) and ( b ). 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my formal certified disputes requesting verification details, including original signed contracts, signatures, and all relevant documentation, none of the bureaus have complied within the required timeframe. I have repeatedly requested verification and validation details, but the bureaus have failed to provide : Copies of original signed contracts or agreements. 

Detailed descriptions of their reinvestigation processes. 

Names, dates, and methods of communications with furnishers. 

Evidence of permissible purposes for reporting the disputed accounts. 

Chain of custody documentation for the debts reported. 

Specific Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days. 

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

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

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverified accounts after the failure to provide required documentation. 

CFPB Precedents : Recent lawsuits filed by the CFPB against Experian ( XXXX XXXX ), Equifax ( XXXX XXXX ), and the settlement with TransUnion ( XXXX XXXX ) demonstrate a pattern of similar misconduct by these bureaus, underscoring the seriousness of these violations. 

Demands for Resolution : Immediate Removal and Permanent Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit files across all three bureaus. 

Prevent reinsertion without proper validation under 15 U.S.C. 1692g ( b ). 

Written Confirmation : Provide written confirmation of the removal and updated credit reports. 

Thorough Investigation : Provide comprehensive investigation details, including original signed contracts and communication methods with furnishers. 

Compliance with Identity Theft Protections : Implement fraud alerts and provide identity theft resources as mandated

by 15 U.S.C. 1681g ( e ). Conclusion : The continued noncompliance by Equifax, TransUnion, and Experian has resulted in significant financial harm and emotional distress. Immediate intervention and enforcement action are essential to correc
t these willful and negligent violations.

Your prompt action and investigation are required to hold these bureaus accountable and permanently correct my credit report. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief