Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX ( also known as XXXX XXXX ) in relation to their XXXX XXXXXXXX XXXX XXXX ending in XXXXXXXX XXXX XXXX  markets this product as a credit-building tool that reports monthly payments to all three major credit bureaus ( Equifax, XXXX, and XXXX  ) , stating clearly on their website : " Build Credit Self Card payments are reported to all 3 credit bureaus, which can build your credit. '' This advertising directly influenced my decision to enroll in the program in XX/XX/XXXXXXXX  and pay $ XXXX monthly under the belief that my responsible use of credit would be accurately reported to all three bureaus, thereby helping me build credit. 

However, since opening the account, XXXX XXXX has failed to report any activity to Equifax. This constitutes false and deceptive advertising, a potential violation of the XXXXonsumer Financial Protection Act of 2010, specifically 12 U.S.C. 5531, which prohibits any unfair, deceptive, or abusive act or practice ( UDAAP ) by covered financial services providers. 

Timeline of My Actions : I have made timely monthly payments of {$26.00} since XX/XX/XXXX. 
I called XXXX XXXX customer service multiple times and submitted the requested documentation, including : A full Equifax credit report, showing no reporting from XXXX XXXX. 
A complete report from www.annualcreditreport.com as secondary verification. 
A case was finally opened by XXXX XXXX on XX/XX/XXXXXXXX  ( Case # XXXX ), but as of this filing, no resolution has been made. 
My Claims : Deceptive Business Practices : XXXX XXXX failure to report to Equifax despite marketing that they report to all 3 credit bureaus is a deceptive and misleading business practice, in violation of 15 U.S. Code 45 ( FTC Act Unfair or Deceptive Acts or Practices ) and 12 U.S.C . 5531 ( UDAAP under the CFPB ). 
Breach of Contract and Failure of Consideration : I entered into a financial agreement with XXXX XXXX based on the core promise that my activity would be reported to all three credit bureaus. That promise has not been fulfilled. 
Consumer Injury : Their inaction has damaged my ability to establish a complete and accurate credit profile, resulting in the denial of new credit lines and limiting my access to fair financial opportunities. 
Requested Resolution : Immediate correction of this reporting failure and retroactive submission of accurate account data to Equifax. 
A full refund of all monthly payments ( $ XXXX ) made since XX/XX/XXXX, as the promised service was not rendered. 
A written statement confirming that they will uphold their advertised commitment to report to all three bureaus going forward. 
Consumers like myself rely on truthful representations from financial institutions, particularly when those representations affect our creditworthiness and financial futures. XXXX XXXX failure to meet this obligation is not only irresponsible but unlawful. 

I respectfully request that the CFPB investigate this matter and ensure accountability.

Company response to consumer: Closed with explanation