Consumer complaint received 2025-07-15 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: NV

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 30-day 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} XXXX settlement with TransUnion and its subsidiary, TransUnion Rental Screening Solutions , Inc., for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX 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 1. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Violations of Law : 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 ) XXXX XXXX XXXX Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL AND PERMANENT BLOCKING of this tradeline under FCRA 1681c-2 . 
2. DPT EDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Violations of Law : 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 ) XXXX XXXX : Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL AND PERMANENT BLOCKING of this tradeline under FCRA 1681c-2. 
3. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Violations of Law : 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 ) XXXX XXXX : Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : IMMEDIATE REMOVAL AND PERMANENT BLOCKING of this tradeline under FCRA 1681c-2. 
4. BANKRUPTCY 1 Violations of Law : 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 ) XXXXXXXX XXXX XXXX Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am formally disputing the bankruptcy entry reported solely by Equifax regarding a XXXX  XXXX Bankruptcy with a filing date of XX/XX/XXXX and reference number XXXX. This bankruptcy is reported as Discharged with a {$0.00} liability, {$0.00} asset amount, and no closing date. This listing is incomplete, misleading, and inaccurately presented, violating FCRA 1681e ( b ) which requires that consumer reporting agencies maintain accurate and complete information. Furthermore, no reporting appears under TransUnion or Experian, suggesting either a failure in verification or inconsistent data sharing, which raises concerns about data integrity and procedural compliance. 
Additionally, Equifaxs inclusion of the comment Consumer disputes reinvestigation in progress while continuing to publish the entry during the investigation period may misrepresent the legal finality and completeness of the data, which contradicts FCRA 1681i ( a ) ( 5 ). Under Nevada law, specifically NRS 598C.150, credit reporting agencies must adopt reasonable procedures to assure maximum possible accuracy, and under NRS 598C.140, consumers have the right to dispute and demand corrections or deletions of unverifiable information. The failure to list a closing date while listing the bankruptcy as Discharged is materially misleading and suggests an incomplete status, which may harm my creditworthiness during an open reinvestigation.

I am requesting that this entry be either removed in full if unverifiable, or immediately updated to reflect the accurate closing date, complete status, and any additional required fields under the law. Please confirm the results of your reinvestigation as required by FCRA 1681i ( a ) ( 6 ). 
5. BANKRUPTCY 2 Violations of Law : 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 ) XXXX XXXX XXXX Format violations and inaccurate payment history FDUTPA : 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) I am disputing the bankruptcy record reported by Experian showing a XXXX  XXXX Bankruptcy with a filing date of XX/XX/XXXX, reference number XXXX, and discharge date of XX/XX/XXXX. While the report reflects a {$0.00} balance, {$0.00} liability, and shows the account as discharged, it is missing critical identifying and clarifying information such as the asset amount and remarks field, and is not reported by TransUnion or Equifax. The isolated and incomplete reporting of this public record by only one bureau creates a misleading and inconsistent portrayal of my credit profile, violating the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy and consistency of consumer file information.

Further, under Nevada law, specifically NRS 598C.150, consumer reporting agencies operating within the state must adopt procedures that ensure accuracy and completeness. The absence of parallel reporting by the other national credit bureaus raises questions about Experians verification process, and whether proper procedural due diligence was conducted. Additionally, per NRS 598C.140, I have the right to dispute and request correction or removal of incomplete or unverifiable information. Since this bankruptcy reflects no active liability, is marked as discharged, and is reported inconsistently with no remarks or clarification, I am requesting that Experian immediately verify the accuracy and necessity of this entry, and either correct or delete it in accordance with FCRA 1681i ( a ). Please complete your reinvestigation within the required statutory timeline and provide written results confirming the action taken. 
Unauthorized Inquiries ( Remove Immediately ) Entities : XXXX, XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 
Issue : Conducted without written authorization or permissible purpose Violations : FCRA 1681b : Lack of permissible purpose NDTPA 598.0923 ( 1 ) - ( 3 ) : Deceptive inquiry practices Incorrect Names, Addresses, and Employers : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV Incorrect Employers : XXXX XXXX, XXXX XXXX 
Incorrect Names : XXXX XXXX, XXXX XXXX Violations : FCRA 1681e ( b ) : Failure to ensure accuracy NDTPA 598.0923 ( 1 ) - ( 3 ) : Misrepresentation through false data Request : REMOVE ALL INACCURATE PERSONAL DATA IMMEDIATELY.

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