Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Formal Notice of Mishandling and Misrepresentation by Experian and Equifax Regarding Improper Use of Credit Report and Deceptive Investigation Practices Dear CFPB Representative, I am submitting this formal notice to express serious concerns and allegations regarding both Experian and Equifax for the mishandling of my consumer credit file, specifically as it relates to a previously deleted account with XXXX XXXX XXXX XXXX ( XXXX  ) that was improperly reinserted and each bureau 's subsequent deceptive handling of my disputes and complaints. 

Summary of Experian 's Violations : The XXXX account in question was successfully removed from my Experian credit file in XX/XX/2025, after being disputed. 

Without notice or certification of reinvestigation, this same account reappeared in XX/XX/2025. 

I immediately filed multiple complaints and disputes, both directly with Experian and through the CFPB portal ( Over XXXX complaints submitted to date ). 

Despite Experian 's portal stating the dispute is closed, the CFPB complaint portal falsely reflects that the investigation is still in progress. 

This discrepancy indicates that Experian XXXX be misleading federal investigators by falsely presenting ongoing investigations when in fact they are concluded and ignored. 

Summary of Equifax 's Violations : A CFPB complaint regarding the XXXX account was filed in XX/XX/2025 under Reference Complaint XXXX XXXX XXXXXXXX. 

I provided supporting documentation with that complaint, which was forwarded to Equifax. 

As a result, Equifax confirmed that the disputed XXXX  account was deleted, and I received written confirmation of this outcome. 

However, in XX/XX/2025, the XXXX account was reinserted on my Equifax credit report without notice or certification, in violation of FCRA regulations. 

I immediately contacted Equifax on the phone and received Confirmation XXXX XXXX XXXX to have the account removed. Yet, over XXXX  days later, the account remains on my credit report. 

I called again on XXXX XXXX  and spoke with Representative XXXX XXXX XXXX XXXX XXXX  ) and was issued another Confirmation XXXX XXXX XXXXXXXX with the understanding that the account would be removed. Still, no action has been taken. 

Equifax has failed to correct inaccurate reporting and continues to permit unauthorized use of my credit file. 

XXXX and XXXX Violations : The actions of both Experian and Equifax constitute multiple violations of : XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) : Reinserted information must be certified by the furnisher and the consumer notified within XXXX business days. 

XXXX. FCRA XXXX & XXXX ( a ) ( XXXX ) : I exercised my rights for verification and blocking of inaccurate or fraudulent data. 

XXXX. FCRA XXXX ( a ) : Failure to conduct a proper reinvestigation. 

XXXX. FCRA XXXX ( a ) : Permissible purpose violatedcontinued unauthorized access to my credit file. 

XXXX. CFPB XXXX XXXX ( XXXX XXXX XXXX ) : Inaccurate reporting, failure to maintain reasonable procedures, and failure to respond to consumer complaints effectively. 

XXXX XXXX Requested : - XXXX permanent removal of the XXXX account from both my Experian and Equifax credit reports. 

- Full disclosure from both bureaus regarding the certification used ( if any ) to reinsert the XXXX account. 

- An independent CFPB review of each bureau 's mishandling of timelines, documentation, and misrepresentation of complaint statuses. 

- Sanctions or enforcement action against Experian and Equifax for repeated and willful violations of the FCRA and for the deceptive handling of my consumer rights. 

I have exhausted all administrative remedies directly with both Experian and Equifax and now seek immediate federal intervention. The supporting documentation referenced including complaint history, confirmation numbers, and dispute materials is already on file and available within the CFPB portal under previously submitted complaints. I trust the XXXX will thoroughly examine these records and hold each bureau accountable for its noncompliance. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief