Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Equifax is unable to confirm or verify any information with the four collections accounts listed by XXXX due to a cease and desist order issued. Consequently, they can not provide information about the alleged fraud listed accounts. This practice, known as passive collection, is against the Federal Debt Collection Practices Act ( FDCRA ) as stipulated in the court order issued against Equifax, TransUnion, and Experian by Ohio Attorney General XXXX XXXX. This order was filed in conjunction with multiple other states due to the same reason. 
Despite never being notified, emailed, nor provided any information or evidence of any debt from XXXX , they continue to pursue further collection activities and add disputed accounts that I have personally disputed and requested validation of all accounts they claim ownership of on XX/XX/XXXX. 
( Under the Federal Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FDCA ), any account that fails to provide accurate billing and account information prior to its inclusion in credit reporting bureaus is ineligible for inclusion to credit reporting agencies ) This practice constitutes passive collection and is against federal collection laws. Furthermore, any debt that is disputed and requested for validation can not have any further collection activities performed.

I am perplexed by the difficulty in filing legal action against Equifax, TransUnion, and Experian, and why the Consumer Financial Protection Bureau ( CFPB ) does not hold them accountable for violating the law. Equifax has yet to comply with the court order issued in my state of Ohio in XXXX to pursue the statutes of the court-ordered lawsuit and the federal law. Equifaxs continued disregard for the court order is concerning. 
I trust that the Ohio Attorney General will uphold the federal and state laws against this matter, particularly given that Equifax was already sued in XXXX to be held accountable for the same lack of accountability and inability to report and verify processes. As a reminder, credit reporting agencies ( CRBs ) are compensated by creditors and collection agencies. Consequently, their primary beneficiaries are not consumers, as one might assume. I have received confirmation of receipt of my dispute and validation request for a total of 34 disputed claims. XXXX has assured me that they will contact me within two days, but they have never responded. I have disputed and requested validation for all debts owed by the company, XXXX, via phone on XX/XX/XXXX. I have meticulously documented every communication. 
In contrast, I have engaged in a conversation without receiving any response or validation. I even offered an unverified collection company full payment for the deletion of my credit reports so that I could close my refinance on my home and pay off all my debts. However, they have refused to communicate with me and refuse payment, and they can not even verify the original creditor or the amount of the debts. Therefore, how did Equifax verify the information? I was informed on XX/XX/XXXX, that the cease-and-desist order had been in place since XX/XX/XXXX, but they can not verify any information because the information is not available to the dispute resolution team electronically or through any form. Furthermore, they can not verify any information to anyone, including the credit reports, until their internal special verification process is completed. Equifax is therefore deceiving the Consumer Financial Protection Bureau ( CFPB ). However, the CFPB is likely to close the case because Equifax stated that they had verified the information. This is all they are going to do for the consumer. I am proud of what our tax dollars are paying for. It is a complete and utter failure of government policy that is not working for American taxpayers who pay for this ridiculous government protection. Thank you for not doing your job ; this is what I should have expected from a government agency. Nothing at all, just like the rest of the XXXX government and politicians along with the constitution-breaking qualified immunity nonsense police system we have. Why is the XXXX XXXX XXXX XXXX  only 3 % of the worlds population but has the highest XXXX  rate of XXXX XXXX people in the world? XXXX has XXXX XXXX, and XXXX XXXX has XXXX. And we are considered a free country! Certainly not a free country, and the reason is due to the corruption of our government, which is overfunded and does nothing while it should be protecting the citizens from corruption of companies like this issue I am dealing with. Why file a complaint with the Consumer Financial Protection Bureau ( CFPB ) when they have failed to provide assistance in addressing fraud and corruption charges against you? Could you kindly provide an explanation of the actions taken by the CFPB? I am aware that the CFPB is currently under investigation for potential violations of federal law. Furthermore, I believe that the XXXX company in question is violating almost every aspect of federal collection law and has additionally violated the court order issued in XXXX, which pertains to state of Ohio court order laws. Despite these allegations, the CFPB has yet to take any action, and the three major Consumer Reporting Bureau ( CRB ) entities have been able to evade consequences. This criminal activity is likely a result of the CRBs belief that no action will be taken against them. CFPB, your efforts to protect our citizens are disappointing, but it is concerning that you are unable to enforce the laws that you are tasked with safeguarding. It is disheartening to witness that our citizens rights and tax dollars are being exploited by corrupt government services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation