Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint - Willful Violations of FCRA & FDCPA by XXXX XXXX, TransUnion, Equifax, Experian, XXXX XXXX, and XXXX  XXXX. Summary of Violations I am filing this complaint due to multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : - XXXX XXXX XXXX XXXX - TransUnion, Equifax, and Experian - XXXX XXXX and XXXX These entities continue to report inaccurate, unverified, and potentially fraudulent information. All XXXX written disputes to XXXX XXXX were acknowledged without validation, and XXXX third-party debt collectors-XXXX  XXXX and XXXXcompletely failed to respond to written debt validation requests. This constitutes misrepresentation and noncompliance with core credit and collection laws. 
XXXX. Supporting Facts XXXX XXXX responded to XXXX separate dispute letters but refused to provide documentation or account validation. Each of those responses included inconsistent or mismatched account details. This reflects misrepresentation under FDCPA 1692e and a violation of FCRA 1681e ( b ). XXXX XXXX and the credit bureaus further failed to meet the reinvestigation standards required under FCRA 1681i ( a ) ( 1 ) ( A ) and California Civil Code 1785.16.

3. Applicable Federal Laws & Violations FCRA ( 15 U.S.C. ) : - 1681i - Failure to reinvestigate disputed items within 30 days - 1681e ( b ) - Inaccurate information reported without verification - 1681s-2 ( b ) - Furnishers failed to investigate post-notice - 1681c - Outdated or obsolete accounts remain - 1681n - Willful noncompliance ( damages allowed ) FDCPA ( 15 U.S.C. ) : - 1692g ( b ) - No response to validation requests - 1692e - False or misleading representations of debt - 1692k - Civil liability for noncompliance XXXX. Child Support Reporting Discrepancies All three child support accounts currently listed on my reports are being reported in conflict with both California and federal law : - California Family Code 4701 requires monthly reporting by verified enforcement agencies and 30-day written notice before initial reporting - XXXX XXXX XXXX XXXX did not issue or update these entries - TransUnion 's internal guidance states that outdated family court obligations should not be reported without proper verification Relevant Case Law : - Berry v. Experian ( 6th Cir. 2024 ) - Miller v. TransUnion - Jemison v. Experian XXXX. Case Law Against XXXX  XXXX, XXXX XXXX, XXXX, and Credit Bureaus The following documents demonstrate my efforts to obtain proper validation and removal of the fraudulent XXXX  XXXX account : - XXXX XXXX Stolen ID Letter - XX/XX/XXXX - XXXX ID, SSI, FTC report - ID Theft Report - FTC # XXXX - XXXX XXXX VALIDATION letter XXXX and XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX Cease and Desist XXXX - XX/XX/XXXX In the original fraud dispute, I provided all documentation XXXX  XXXX requires for identity theft removal : a signed affidavit, state-issued ID, FTC identity theft report, and proof of address. Despite these valid submissions, XXXX XXXX did not remove the account. 
Following that, I sent a debt validation letter, an arbitration demand under XXXX XXXX 's own cardholder agreement, a second validation request, and finally a cease and desist notice. These actions were taken during the statutory 30-day federal reinvestigation window under FCRA 1681i ( a ) ( 1 ) ( A ) and within the 15-business-day reinvestigation period under California Civil Code 1785.16 ( f ) . 
XXXX XXXX failed to meet either obligation. 
XXXX XXXX 's XXXX written responses contained different or inconsistent account numbers and failed to include : - A signed contract or original application - Account ledger or billing history - Assignment documentation - Method of investigation used- Verified results corresponding to my credit report TransUnion, Equifax, and Experian were each notified of the dispute and documentation as well. They failed to delete the data despite receiving complete dispute packages. Instead of deletion, these credit bureaus simply updated the previously inaccurate or unverifiable information - an action prohibited under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). That statute clearly states that after a reinvestigation, if an item is " found to be inaccurate or incomplete or can not be verified, '' the credit bureau shall promptly delete that item, not modify it. 
XXXX XXXX and XXXX received timely validation letters and failed to respond or validate the debts within 30 days, as required by FDCPA 1692g ( b ). Both continued reporting the accounts in violation of FDCPA 1692k.

These facts mirror the holdings in : Green v. Portfolio Recovery Associates - Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) - CFPB v. Experian ( Jan 2025 ) - Experian was recently sued by the CFPB for failing to remove or properly reinvestigate false or outdated negative information, despite having received proper disputes. 
I have mailed you copies of my records of interactions with all of these companies and the inadequate responses received from XXXX XXXX. The credit bureaus ' responses amounted only to unlawful updates of previously unverifiable data rather than deletion, in direct contradiction to federal law. 
XXXX. Items That Must Be Deleted | Creditor/Agency | Issue | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | XXXX XXXX - acct XXXX | XXXX failed responses without validation ; inconsistent account numbers ; misrepresentation | | All XXXX  Child Support Accounts| Improperly reported, outdated, and not maintained by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX | No debt validation received ; continued collection and reporting in violation of law | XXXX. Requested CFPB Action XXXX. Investigate each named entity for FCRA and FDCPA violations XXXX. Order permanent deletion of all disputed items XXXX. Enforce damages under 1681n and 1692k 4. Ensure compliance with California and federal law 5. Provide a written case ID and resolution Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief