Consumer complaint received 2025-11-05 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:
Equifax, Experian, and TransUnion have jointly and repeatedly failed to comply with their statutory obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681e ( b ) ) by continuing to report accounts that have long been invalidated, unverified, or withdrawn by the furnishers themselves. 

Specifically, all three bureaus continue to publish false and injurious data on XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, despite having received : Formal disputes and cease-and-desist correspondence from Elite Legal Practice beginning XX/XX/XXXX ; CFPB dispute filings identifying the same accounts as unverified ; Deletion letters issued in XX/XX/XXXX requiring permanent removal of these tradelines ; and Repeated follow-up complaints through XXXX confirming noncompliance. 

XXXX  XXXX : Filed and then withdrew XXXX ( XXXX ) separate lawsuits against me, effectively admitting lack of verification and standing. 

All XXXX ( XXXX ) XXXX XXXX accounts in question have never been validated and should have been permanently deleted since XXXX. 

Despite this, all three bureaus continue to re-report and verify these tradelines each month, in clear violation of FCRA 1681i ( a ) ( 5 ) ( B ) ( illegal reinsertion ) and 1681s-2 ( b ) ( failure to conduct a reasonable investigation ). 

XXXX XXXX XXXX XXXX XXXX XXXX : Reinserted an invalid Best XXXX XXXX XXXX  account after XXXX  XXXX XXXX  determined it invalid and not verified in XX/XX/XXXX. 

Failed to provide any contract, APR disclosure, or transaction record, rendering the account uncollectable under FCRA, FDCPA, and FCCPA standards. 

XXXX XXXX ( XXXX XXXX ) : Not only failed to verify the disputed debt, but also falsely coded my profile as DECEASED, a reckless and defamatory act that caused significant credit damage, emotional distress, and reputational harm. 

This false flag violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing false information known to be inaccurate ) and 1681n ( willful noncompliance ). 

Despite over XXXX years of continuous disputes, written documentation, and verified deletion instructions, none of the XXXX bureaus have corrected or purged these invalid accounts. Their willful refusal to act has resulted in ongoing injury, including : A sustained XXXX decline each month to my credit score since XXXX ; Repeated denials and adverse terms on essential credit and insurance ; Emotional distress and reputational harm as a documented Florida senior consumer. 

The pattern of neglect by Equifax, Experian, and TransUnion constitutes willful noncompliance under FCRA 1681n and 1681i ( a ) ( 5 ) ( B ), negligent noncompliance under 1681o, and ongoing violations of XXXX Stat. 559.72 ( 9 ) for attempting to enforce debts known to be illegitimate. 

These agencies have had every opportunity and all required evidenceincluding government identification, utility verification, deletion notices, and attorney correspondenceto lawfully delete the unverified accounts. Their continued inaction represents a systemic and deliberate violation of both federal and Florida consumer-protection law. 

Accordingly, I am demanding immediate deletion and permanent suppression of all disputed accounts listed herein, written confirmation of compliance from all three CRAs, and referral of this complaint for regulatory enforcement review. 

Each CRAs willful conduct supports statutory and punitive damages under 15 U.S.C. 1681n and 1681o, with combined liability exceeding {$100000.00}, in addition to actual damages and attorneys fees under the XXXX  Consumer Collection Practices Act ( XXXX XXXX. XXXX ). 

I am submitting this complaint together with my CFPB filing against XXXX XXXX XXXX XXXX XXXX XXXX, supporting exhibits from Elite Legal Practice, and full identity verification. All evidence shows that these tradelines are unverified, unvalidated, and unlawfully reinserted. 

I have disputed multiple inaccurate accounts with all three credit bureaus since XX/XX/XXXX, including accounts furnished by Capital XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Despite repeated disputes through the CFPB and direct written letters, the bureaus continue to publish false and unverified information. 

XXXX XXXX withdrew XXXX lawsuits against me and never verified XXXX disputed accounts. These should have been permanently deleted following XXXX XXXX XXXX  deletion requests in XX/XX/XXXX. XXXX XXXX never validated its account and falsely reported me as DECEASED, causing serious harm and distress. XXXX XXXX reinserted a debt that was attorney-confirmed INVALID NOT VERIFIED in XX/XX/XXXX, without required certification or notice, violating FCRA 1681i ( a ) ( 5 ) ( B ) and 1681s-2 ( b ). 

For over XXXX years, these accounts have remained on my reports, damaging my credit each month by more than XXXX points, despite full identity and address verification and multiple documented deletions. This conduct shows willful noncompliance with federal and Florida consumer-protection laws. 

I am demanding immediate deletion and permanent blocking of all unverified accounts from my credit file and written confirmation from each bureau. Continued failure to act will result in civil action under 15 U.S.C. 1681n, 1681o and XXXX Stat. 559.77 for willful, repeated disregard of the FCRA and FCCPA. 

There is no lawful excuse for continued reporting by any credit bureau, and failure to delete immediately will result in civil litigation and enforcement escalation.

Company response to consumer: Closed with non-monetary relief