Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
COMPLAINT FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) Submitted to : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Email : XXXX Date : XX/XX/year> I. SUMMARY OF COMPLAINT This complaint is filed against the credit reporting agencies Experian, TransUnion, and Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) Furnishing of inaccurate information after notice of dispute.

15 U.S.C. 1681n and 1681o Willful and negligent noncompliance with FCRA obligations. 
Despite submitting disputes with full documentation ( including identity verification, debt details, and formal dispute letters ), the agencies continued to report inaccurate, unverifiable, and misleading information. 
XXXX. FACTUAL BACKGROUND I submitted formal dispute letters ( certified mail ) to all three credit bureaus regarding accounts that were inaccurately reported, including accounts from : XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX The disputed XXXX loan is currently subject to XXXX official XXXX Department of Education discharge under XXXX XXXX XXXX XXXX as confirmed in a XX/XX/year> letter due to findings of misconduct by The Art Institutes. This loan is no longer legally enforceable, and the Department has stated that collections and reporting should cease. 


Despite these facts, the credit reporting agencies have : Failed to delete or update the XXXX tradeline per 15 U.S.C. 1681i ( a ) ( 5 ) Ignored proof of federal loan discharge eligibility and continued reporting the debt Sent generic form letters and failed to provide a full method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failed to flag disputed accounts per XXXX XXXX Field XXXX guidelines ( a requirement under 1681s-2 ( a ) ( 1 ) ( A ) ) Caused continued damage to my XXXX XXXX and co-signer 's file ( XXXX XXXX ) XXXX. LEGAL VIOLATIONS Failure to Reinvestigate ( 15 U.S.C. 1681i ) Each CRA failed to conduct a reasonable reinvestigation into the disputed tradelines, relying solely on automated responses from furnishers and returning form letters. No documentation ( e.g., signed contracts, statements, or evidence of validation ) was provided.

Failure to Delete Unverifiable Information ( 1681i ( a ) ( 5 ) ) As the XXXX loan has been deemed unenforceable by XXXX, and the account is under discharge, its continued reporting is in violation of this section. 


Failure to Report Disputes and Correct Inaccuracies ( 1681s-2 ) The CRAs and furnishers failed to properly code and report the accounts as disputed, and failed to correct the records following notification.

Willful and Negligent Noncompliance ( 1681n & 1681o ) These continued actions suggest either willful indifference or gross negligence in adhering to federal requirements under the FCRA. 
IV. REQUEST FOR RELIEF I am requesting the following actions be taken immediately : Removal of all inaccurate or unverifiable accounts from my credit reports, especially XXXX and all disputed XXXX XXXX, XXXX, and XXXX accounts. 


Full deletion of the XXXX account, in accordance with the XXXX XXXX XXXXXXXX discharge determination. 


Corrections to my personal identifying information to reflect : Name : XXXX XXXX XXXX only Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Damages and remedies as allowed under 15 U.S.C. 1681n for willful violations.

Referral of this case for investigation and enforcement action by the CFPB or Attorney General. 


V. ATTACHMENTS Certified Dispute Letters sent to Experian, Equifax, TransUnion Department of Education letter dated XX/XX/year> Screenshots / copies of credit reports showing continued reporting XXXX XXXX Mail Receipts ( as proof of delivery ) Affidavit of Identity ( if applicable ) Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief