Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
I 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 time frame, 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. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). 
Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required XXXX period. 
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. 

Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian Lawsuit ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. 
TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} million settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that XXXX inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} million in restitution and a {$4.00} million civil penalty and implement enhanced accuracy measures. 
Equifax Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. 
These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian. 
Fraudulent Accounts & Unauthorized Reinsertions Disputed Account Details and Demands MACYS/CBNA Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts. 
Unlawful debt collection practices may also be pursued under the MMPA  as deceptive trade practices. 
Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXX XXXX XXXX  Account XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts. 
Unlawful debt collection practices may also be pursued under the MMPA as deceptive trade practices. 
Demand : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to identity theft and lack of verification. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Missouri law. 
XXXXK OF AMEXXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts.

Unlawful debt collection practices may also be pursued under the MMPA as deceptive trade practices.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts.

Unlawful debt collection practices may also be pursued under the MMPA as deceptive trade practices.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts.

Unlawful debt collection practices may also be pursued under the MMPA as deceptive trade practices.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Missouri Consumer Protection Law Missouri Merchandising Practices Act ( MMPA ), Mo. Rev. Stat. 407.020 et seq. 
Prohibits unfair, deceptive, or fraudulent business practices, including furnishing false or misleading credit information. 
Provides for actual damages, punitive damages, injunctive relief, attorneys fees, and costs for violations. 
Missouri Debt Collection Law Mo. Rev. Stat. 443.130, 570.145, and related provisions Prohibits false, coercive, or misleading representations in connection with the collection of debts.

Unlawful debt collection practices may also be pursued under the MMPA as deceptive trade practices.

Demand : Immediate deletion and permanent removal of all late payments under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.020 et seq. due to reporting inaccuracies and multiple violations on this account. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, ensuring activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 and the Missouri Merchandising Practices Act ( MMPA ) Mo. Rev. Stat. 407.025 due to identity theft and lack of verification.

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

Ensure that these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ).

Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries along with updated copies of my credit reports.

Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent.

Provide findings in writing, including all requested verification details, such as contracts and signatures.

Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ).

The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected.

Company response to consumer: Closed with non-monetary relief