Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint against the three major credit XXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated XXXX system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of XXXX has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX/DOFED Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX/DOFED Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXA/DOFED Account # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX/DOFED Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX/DOFED Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Account # XXXX * * Date Opened : XX/XX/XXXX MOHELA/DOFED Account # XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX MOHELA/DOFED Account # XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require ExperianXXXX XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation