Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
Summary This is a formal supplement to my prior complaints, including CFPB Case XXXX : XXXX ( TransUnion ) XXXX ( Equifax ) XXXX ( Experian ) XXXX ( XXXX XXXX XXXXXXXX ) XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  ) and others. 

Despite repeated disputes and a formal deletion demand submitted by XXXX XXXX XXXX in XX/XX/year>, the credit bureaus and furnishers continue to report inaccurate, unverifiable, and derogatory information. Multiple complaints have been improperly closed as duplicates while the violations remain unresolved. This pattern reflects systemic noncompliance and willful disregard for federal law. 

Violations and Complicity 1. Failure to Conduct Reasonable Investigations All listed furnishers and credit bureaus have failed to conduct a reasonable investigation under FCRA 611 ( a ) ( 1 ) ( A ). Disputes were met with generic verified responses, without documentation or correction.

2. Improper Duplicate Closures Complaints against XXXXXXXX XXXX XXXX XXXX and others were closed as duplicates despite the fact that the underlying violations were never addressed. This obstructs the dispute process and violates the spirit of the FCRA. 

3. Continued Reporting After Deletion Demand Despite formal deletion demands submitted in XX/XX/year>, the following furnishers continue to report derogatory data : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. FDCPA Violations by XXXX Funding XXXX XXXX  continues to report collection accounts without validating the debt, in violation of : 809 ( a ) Failure to provide validation.

807 ( 8 ) Misleading representations.

807 ( 2 ) ( A ) Misrepresentation of legal status.

5. Metro 2 and FCRA Violations by All Three Bureaus Failure to suppress disputed data ( XXXX XXXX  ). 

Reporting charge-offs with no late history or invalid payment data ( XXXX XXXX ). 

Missing or inconsistent DOFDs ( XXXX  XXXX ). 

Misleading closed by grantor remarks ( XXXX  XXXX ). 

Over-limit balances and misclassified account types ( XXXX XXXX, XXXX, XXXX ). 

Demand for Formal Investigation I am requesting that the CFPB initiate a formal investigation into the complicity of Equifax, TransUnion, and Experian in enabling and perpetuating these violations. The bureaus have : Failed to enforce FCRA compliance by furnishers. 

Allowed reinsertion of previously disputed data without notice. 

Ignored formal deletion demands. 

Improperly closed complaints as duplicates to avoid accountability. 
Demand for Formal Investigation I am requesting that the CFPB initiate a formal investigation into the complicity of Equifax, TransUnion, and Experian in enabling and perpetuating these violations. The bureaus have : Failed to enforce FCRA compliance by furnishers. 

Allowed reinsertion of previously disputed data without notice. 

Ignored formal deletion demands. 

Improperly closed complaints as duplicates to avoid accountability.

Company response to consumer: Closed with explanation