Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I, submit this formal complaint against Equifax, TransUnion, and Experian ( the Bureaus ) 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 but are not limited to : Unlawful reinsertion of previously deleted accounts without proper notification Failure to ensure maximum possible accuracy Failure to investigate disputes within the mandated timeframe Failure to provide verification details upon request Failure to validate debt prior to reporting II. Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate despite multiple disputes and supporting documentation. 

Furthermore, the Bureaus removed fraudulent accounts and unauthorized inquiries only to reinsert them, in violation of : 15 U.S.C. 1692g ( a ) & ( b ) Failure to validate and unlawful reinsertion I sent a certified dispute letter to all three bureaus requesting verification details ( contracts, signatures, supporting documentation ). More than 15 days have passed without response a violation of multiple federal statutes : Violated Statutes : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to investigate within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify before reinsertion 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1692g ( a ) ( 4 ) Failure to provide debt validation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide specific dispute findings III. Related Lawsuits & CFPB Enforcement These violations are part of a broader pattern of misconduct. Below are precedents : Experian Lawsuit XX/XX/XXXX The CFPB sued Experian for failing to investigate disputes and allowing erroneous reinsertion, harming consumers ' credit, employment, and housing access. 

TransUnion SettlemenXXXX XX/XX/XXXX The CFPB and FTC reached a {$15.00} XXXX settlement with TransUnion for inaccuracy in tenant screening and failure to ensure data accuracy. 

Equifax Lawsuit XX/XX/XXXX The CFPB sued Equifax for FCRA violations, delayed corrections, and reinsertion of deleted data without notice. 

My case mirrors these violations, and I respectfully urge the CFPB to take immediate enforcement action against these entities. 

IV. Fraudulent Accounts & Unauthorized Reinsertions Below is a list of fraudulent accounts, reinsertions, and relevant law violations : Account Name Account Number Violations XXXX XXXX FCRA : 1681, 607 ( b ), 611 ( a ) ; FDCPA : 1692g ( failure to validate debt ) XXXX  XXXX FCRA : 1681, 607 ( b ), 611 ( a ) ; FDCPA : 1692g XXXX  XXXX XXXX FCRA : 1681, 607 ( b ), 611 ( a ) ; FDCPA : 1692g FXXXX XXXX FCRA : 1681, 607 ( b ), 611 ( a ) ; FDCPA : 1692g XXXX  XXXX FCRA : 1681, 607 ( b ), 611 ( a ) ; FDCPA : 1692g Additional Violations : 15 U.S.C. 1681e ( b ) Accuracy issues 15 U.S.C. 1681i ( a ) No timely investigation 15 U.S.C. 1681c-2 ( a ) Failure to block fraudulent accounts 15 U.S.C. 1692g ( a ) & ( b ) No validation and verification detailes, illegal reinsertion 15 U.S.C. 1681i ( a ) ( 6 ) No contract or documentation provided V. Incorrect Employers Reported The following inaccurate employer names appear on my reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These entries are unverified, unauthorized, and factually incorrect. 

VI. Demands for Resolution I respectfully demand the following corrective actions : Immediate Removal and Blocking Permanently remove all fraudulent accounts and inquiries from all three bureaus. 

Block reappearance of these accounts unless legally validated ( 15 U.S.C. 1692g ( b ) ). 

Written Confirmation Provide written confirmation and updated credit reports from each bureau reflecting the removals. 

Investigation Findings Conduct a full internal investigation into how these accounts were reported. 

Provide all requested documentation : contracts, applications, and validation records. 

Compliance with Identity Theft Laws Implement appropriate fraud alerts and identity theft safeguards. 

Provide identity theft recovery assistance as required under 15 U.S.C. 1681g ( e ). 

VII. Conclusion The repeated noncompliance by Equifax, TransUnion, and Experian has caused serious financial harm and emotional distress. Their actions represent willful and negligent violations of the law. 

Given the CFPBs enforcement record and recent lawsuits, I urge the Bureau to : Enforce strict compliance under 15 U.S.C. 1681n and 1681o Hold these entities accountable Mandate permanent correction of my reports Your intervention is necessary to protect my rights and ensure compliance with federal consumer protection laws. 

Sincerely,

Company response to consumer: Closed with non-monetary relief