Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am filing this complaint to report repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by all three major credit bureausEquifax, Experian, and TransUnion. 

Despite submitting multiple formal disputes, providing supporting evidence, and filing prior complaints with the CFPB and FTC, all three bureaus have persisted in reporting inaccurate, obsolete, and unverifiable information across my credit reports, which is causing significant harm to my creditworthiness and financial well-being. 

The bureaus have failed to conduct reasonable reinvestigations and have continued to verify information that is demonstrably inaccurate or outdated. Some items have even reappeared on my reports after deletion without the legally required notice and certification of accuracy. Additionally, certain tradelines have not been properly marked as disputed, and unauthorized inquiries remain on my reports without a permissible purpose under the FCRA.

Specific Violations of the FCRA Include : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of the information in my credit files ( contradictory balances, inconsistent account statuses ).

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of my disputes in good faith. Disputes were dismissed using boilerplate verified language without proper review of the documentation I provided.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reappearance of previously deleted items without the required notice to me or certification of accuracy.

15 U.S.C. 1681s-2 ( a ) ( 3 ) : Failure by furnishers to mark tradelines as disputed, misleading third parties reviewing my credit.

15 U.S.C. 1681m ( a ) : Failure to provide notice when negative information was added to my credit file.

15 U.S.C. 1681c ( a ) : Reporting obsolete derogatory information beyond the seven-year limitation.

15 U.S.C. 1681b : Allowing unauthorized and unverified credit inquiries without a permissible purpose.

15 U.S.C. 1681g : Failure to provide complete and accurate disclosures of information in my file upon request.

15 U.S.C. 1681c-1 : Inconsistent or inadequate application of fraud alerts across bureaus.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with FCRA obligations.

These violations have caused me significant financial hardship, denials of credit, reputational harm, and emotional distress.

Requested Resolution : Immediate deletion or correction of all inaccurate, obsolete, or unverifiable information from my credit reports.

A full, documented explanation of each reinvestigation process and the procedures used to verify the information.

Removal of all unauthorized inquiries.

An updated, accurate credit report reflecting these corrections.

Regulatory enforcement action to ensure compliance and protect my rights.

Compensation and penalties as permitted by the FCRA for willful and negligent noncompliance.

I have attached supporting evidence, including copies of my credit reports with the disputed entries highlighted, all prior dispute letters and final notices sent to the bureaus, certified mail receipts, responses from the bureaus, and documentation of my FTC complaints.

I am prepared to pursue legal action if these violations are not fully addressed. I respectfully request the CFPBs assistance to ensure compliance with federal law and protect my consumer rights.

Detailed List of Accounts and Errors # Creditor / Furnisher Nature of Inaccuracy Bureaus Reporting FCRA Sections Violated XXXX XXXX XXXX XXXX / WebBank Charged-off account still reporting a balance and listed as open instead of closed Equifax, Experian, TransUnion 1681e ( b ), 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX Reported as charged-off but collections continuing ; duplicate balances Experian, TransUnion 1681e ( b ), 1681i 3 XXXX XXXX XXXX / XXXX Different balances and statuses ( {$0.00} vs. {$700.00} ) Experian, TransUnion 1681e ( b ), 1681i 4 XXXX XXXX XXXX XXXX XXXX Account appears twice under different account numbers and dates Equifax, TransUnion 1681e ( b ), 611 ( a ) ( 5 ) 5 XXXX / XXXX Account XXXX XXXX XXXX XXXX still being reported Equifax XXXX ( a XXXX XXXX XXXX XXXX XXXX XXXX No original creditor listed; unverifiable account Experian 609 ( a ) ( 1 ) 7 XXXX, XXXX / XXXX XXXX  XXXX XXXX account not marked as disputed ; ongoing collection Equifax 623 ( a ) ( 3 ), 1681s-2 8 Convergent Outsourcing / DirecTV Same account reported as both paid and unpaid TransUnion, Experian 1681e ( b ) 9 Student Loans Accounts not authorized or verified Equifax, Experian, TransUnion 1681e ( b ), 1681i 10 Contradictory Personal Info Conflicting addresses and employer records All bureaus 1681e ( b ), 1681g 11 Unauthorized Inquiries No permissible purpose ; not removed after dispute All bureaus 1681b, 1681i 12 Fraud Alerts Fraud alerts not consistently applied Experian missing flag 1681c-1 Estimated Statutory Damages Calculation Total Violations Identified : 20 unique violations FCRA Statutory Penalty : Up to {$1000.00} per violation under 15 U.S.C. 1681n Base Statutory Damages : 20 violations {$1000.00} = {$20000.00} Interest Estimate ( 6 % 2 years ) : {$20000.00} 0.12 = {$2400.00} Total Estimated Damages Requested : {$22000.00} Thank you for your attention to this matter.

Company response to consumer: Closed with explanation