Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXXXXXfor ongoing, systemic violations of the Fair Credit Reporting Act (FCRA) and failure to comply with XXXX XXXX  Format and XXXX  industry standards.\n\nDespite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C.  1681i(a).\n\nInstead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.\n\nViolations and Legal Basis:\nThe following violations form the basis of this complaint:\n\n15 U.S.C.  1681e(b)  Failure to maintain reasonable procedures to assure maximum possible accuracy\n\n15 U.S.C.  1681i(a)  Failure to conduct a reasonable reinvestigation\n\n15 U.S.C.  1681s-2(b)  Furnisher failure to correct or delete disputed information\n\XXXX  2 and XXXX  Guidelines  Failure to comply with reporting format and data integrity standards\n\nFurther, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent:\n\n"A credit reporting agency may not rely blindly on the [furnisher\'s] investigation. The agency has an obligation to conduct a reasonable investigation itself."\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection lawXXXX XXXX XXXX Account Number XXXX  Balance: XXXX  Open Date 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRelief Requested:\nI am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to:\n\nImmediately delete all negative items previously disputed that cannot be verified with complete documentation\n\nCease reporting unverifiable data and require original source validation for all disputes\n\nRe-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation\n\nCertify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information'

Company response to consumer: Closed with non-monetary relief