{"took":327,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15913588","_score":24.151552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:09:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : <em>Equifax</em> <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for <em>failure</em> to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my <em>Equifax</em> credit file."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.151552,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":24.151552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : <em>Equifax</em> <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for <em>failure</em> to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my <em>Equifax</em> credit file."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.151552,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":24.117992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : <em>Equifax</em> <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for <em>failure</em> to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my <em>Equifax</em> credit file."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.117992,"15913408"]},{"_index":"complaint-public-v1","_id":"14409045","_score":22.502659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for their continued failure to accurately report and investigate multiple incorrect and damaging entries on my credit report. Despite numerous disputes and formal requests in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax has failed to correct or remove inaccurate, incomplete, and unverifiable information. The following accounts are being reported with serious inaccuracies, resulting in significant harm to my creditworthiness, emotional distress, and financial standing. \nXXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late Payment * * Issue : This account is reporting multiple late payments which I have disputed due to errors in payment application and misreporting of timely payments. Equifax failed to provide validation or proper reinvestigation.\n\nLaw Violated : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct reasonable reinvestigation. FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. \nNarrative : I made multiple on-time payments that were not reflected accurately in the reporting of this account. I requested a full investigation, but Equifax merely \" verified '' the data without evidence or a thorough review. I believe this is a negligent and harmful act that violates my rights under FCRA. \nXXXX  XXXX  Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$1400.00} Charge Off * * Issue : This account is listed as a charge-off with an outstanding balance that I have disputed. No documentation has been provided by Equifax to substantiate this derogatory entry.\n\nLaw Violated : FCRA 611 and 607 ( b ) Failure to validate and failure to ensure accurate reporting. \nNarrative : The account was paid off through a negotiated settlement, yet Equifax continues to report it as charged-off with a balance owed, which is both inaccurate and misleading. This has severely damaged my credit score and denied me fair access to credit. \nXXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * Issue : This account reflects a charge-off with a {$0.00} balance, yet still negatively impacts my report. Reporting a zero-balance charge-off is misleading if the account has been resolved. \nLaw Violated : FCRA 605 ( b ) Unfair retention of negative resolved accounts. FCRA 607 ( b ) Failure to assure maximum accuracy. \nNarrative : This account was closed and resolved over XXXX years ago, but the continued derogatory status of \" charge off '' is misleading and unfairly penalizing my credit profile. XXXX refusal to update or remove the status misrepresents my current financial obligations. \nXXXX XXXX Acct : XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : This account is reporting a late payment despite being paid off and closed. I have submitted proof that the account was never late.\n\nLaw Violated : FCRA 611 Failure to investigate disputed information. FCRA 623 ( b ) Furnishers duty to correct and update information.\n\nNarrative : I never missed a payment on this account. The \" late payment '' being reported is completely inaccurate. I requested correction and submitted documentation, but Equifax failed to correct the error or provide proof of delinquency. This false late mark has lowered my score unjustly and impacted financial opportunities. \nConclusion & Demand for Relief : These reporting errors show a consistent pattern of Equifaxs failure to comply with the Fair Credit Reporting Act, particularly its duty to ensure maximum accuracy, timely correction of disputed data, and thorough reinvestigation of challenged items. I am requesting that the CFPB compel Equifax to : Remove or correct all inaccurate, unverifiable, and outdated information Provide documentation verifying each disputed account Ensure compliance with FCRA for all future disputes and investigations Provide a written confirmation of resolution and updated report These reporting errors are causing me significant harm, and I respectfully ask for swift enforcement action to ensure my rights are protected under federal law.","date_sent_to_company":"2025-07-01T09:47:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"14409045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T09:39:49.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> <em>against</em> <em>Equifax</em> for their continued <em>failure</em> to accurately report and investigate multiple incorrect and damaging entries on my credit report. Despite numerous disputes and formal requests in accordance with the Fair Credit Reporting Act ( FCRA ), <em>Equifax</em> has failed to correct or remove inaccurate, incomplete, and unverifiable <em>information</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.502659,"14409045"]},{"_index":"complaint-public-v1","_id":"18282042","_score":20.78496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX Product : Credit Reporting Issue : Incorrect information / Failure to investigate Company : XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Amount : {$6300.00} COMPLAINT NARRATIVE I am submitting this complaint against XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nThis account was disputed via USPS Certified Mail to Experian, Equifax, and TransUnion. \n\nCertified Mail Tracking Numbers : XXXX XXXX XXXX XXXX XXXX verified the account without providing documentation. Credit reports reflect conflicting dates, remarks, and delinquency timelines. \n\nXXXX XXXX failed to provide a complete payment history, proof of charge-off calculations, Date of First Delinquency, or contractual documentation. \n\nUnder 15 U.S.C. 1681s-2 ( b ), this unverifiable account must be deleted.\n\nI am requesting permanent deletion from all consumer reporting agencies.\n\nLAWS ENFORCED : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681c ( a ) ( 4 ) 12 U.S.C. 5531, 5536","date_sent_to_company":"2025-12-25T15:41:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"763XX","tags":null,"has_narrative":true,"complaint_id":"18282042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-25T15:41:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX Product : Credit Reporting Issue : Incorrect <em>information</em> / <em>Failure</em> to investigate Company : XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Amount : {$6300.00} <em>COMPLAINT</em> <em>NARRATIVE</em> I am <em>submitting</em> this <em>complaint</em> <em>against</em> XXXX XXXX XXXX XXXX for inaccurate credit reporting and <em>failure</em> to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nThis account was disputed via USPS Certified Mail to Experian, <em>Equifax</em>, and TransUnion."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.78496,"18282042"]},{"_index":"complaint-public-v1","_id":"18282040","_score":20.752,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX Product : Credit Reporting Issue : Incorrect information / Failure to investigate Company : XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Amount : {$6300.00} COMPLAINT NARRATIVE I am submitting this complaint against XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nThis account was disputed via USPS Certified Mail to Experian, Equifax, and TransUnion. \n\nCertified Mail Tracking Numbers : XXXX XXXX XXXX XXXX XXXX verified the account without providing documentation. Credit reports reflect conflicting dates, remarks, and delinquency timelines. \n\nXXXX XXXX failed to provide a complete payment history, proof of charge-off calculations, Date of First Delinquency, or contractual documentation. \n\nUnder 15 U.S.C. 1681s-2 ( b ), this unverifiable account must be deleted.\n\nI am requesting permanent deletion from all consumer reporting agencies.\n\nLAWS ENFORCED : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681c ( a ) ( 4 ) 12 U.S.C. 5531, 5536","date_sent_to_company":"2025-12-25T15:41:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"763XX","tags":null,"has_narrative":true,"complaint_id":"18282040","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-25T15:33:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX Product : Credit Reporting Issue : Incorrect <em>information</em> / <em>Failure</em> to investigate Company : XXXX XXXX XXXXXXXX XXXX  Account XXXX : XXXX Amount : {$6300.00} <em>COMPLAINT</em> <em>NARRATIVE</em> I am <em>submitting</em> this <em>complaint</em> <em>against</em> XXXX XXXX XXXX XXXX for inaccurate credit reporting and <em>failure</em> to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nThis account was disputed via USPS Certified Mail to Experian, <em>Equifax</em>, and TransUnion."]},"sort":[20.752,"18282040"]},{"_index":"complaint-public-v1","_id":"13814634","_score":20.352299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Against Equifax Regarding Inaccurate Reporting of XXXX Account I am submitting this formal complaint against Equifax for their continued reporting of inaccurate and potentially fraudulent information regarding a tradeline from XXXX XXXX XXXX, listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my Equifax credit report. The account shows a high balance of {$370.00} and a reported late payment, with an open date of XX/XX/2024. \n\nTimeline of Events : XX/XX/2024 : I first noticed the appearance of this account on my credit report. I have no knowledge of ever opening this account, nor did I authorize any transaction with XXXX XXXX or its affiliates. \n\nXX/XX/2024 : I submitted a dispute to Equifax under my rights afforded by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), requesting investigation and removal of the account due to its inaccuracy. \n\nXX/XX/2024 : Equifax responded claiming the account was \" verified as accurate '' without providing any meaningful documentation or validation from the furnisher, which is a direct violation of FCRA 1681s-2 ( b ), which requires a reasonable reinvestigation when a dispute is submitted. \n\nLegal Violations : Account : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violation of FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation of a disputed item.\n\nViolation of FCRA 1681s-2 ( b ) Furnishers failure to properly verify the accuracy of the disputed data after being notified.\n\nViolation of FCRA 1681e ( b ) Equifaxs failure to maintain reasonable procedures to ensure maximum possible accuracy.\n\nPotential violation of FDCPA 807 ( 15 U.S.C. 1692e ) If this debt was sold or assigned to XXXX XXXX, and it's being misrepresented as valid, this could constitute a deceptive collection practice. \n\nPersonal Impact : As a result of this inaccurate and unverified reporting, my credit score has been adversely affected, which has resulted in financial harm including denial of credit, increased interest rates, and emotional distress. I have spent significant time and effort attempting to resolve this matter through the appropriate dispute channels, to no avail. \n\nRequested Resolution : I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Equifax accountable for its failure to : Properly investigate and remove unverifiable and potentially fraudulent information. \n\nUphold their obligations under federal law as a consumer reporting agency. \n\nI am also requesting : Immediate deletion of the XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from my Equifax credit report. \n\nA full reinvestigation with proper documentation, including the original signed contract or validation of the alleged debt. \n\nCompensation or regulatory penalties if violations are confirmed. \n\nI urge the CFPB to intervene and ensure my rights as a consumer under the FCRA and FDCPA are fully protected.","date_sent_to_company":"2025-05-31T05:41:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"13814634","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-31T05:35:43.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> <em>Against</em> <em>Equifax</em> Regarding Inaccurate Reporting of XXXX Account I am <em>submitting</em> this formal <em>complaint</em> <em>against</em> <em>Equifax</em> for their continued reporting of inaccurate and potentially fraudulent <em>information</em> regarding a tradeline from XXXX XXXX XXXX, listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my <em>Equifax</em> credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.352299,"13814634"]},{"_index":"complaint-public-v1","_id":"14295600","_score":19.922354,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14295600","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:37:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Inaccurate Late-Payment Reporting and FCRA/TILA Violations by <em>Equifax</em> Company : <em>Equifax</em> Product : Credit reporting Issue : Incorrect <em>information</em> on credit report <em>Submitted</em> by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for reporting false and harmful late-payment <em>information</em> on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.922354,"14295600"]},{"_index":"complaint-public-v1","_id":"14296457","_score":19.86935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14296457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:24:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Inaccurate Late-Payment Reporting and FCRA/TILA Violations by <em>Equifax</em> Company : <em>Equifax</em> Product : Credit reporting Issue : Incorrect <em>information</em> on credit report <em>Submitted</em> by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for reporting false and harmful late-payment <em>information</em> on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.86935,"14296457"]},{"_index":"complaint-public-v1","_id":"14295599","_score":19.847012,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14295599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:37:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Inaccurate Late-Payment Reporting and FCRA/TILA Violations by <em>Equifax</em> Company : <em>Equifax</em> Product : Credit reporting Issue : Incorrect <em>information</em> on credit report <em>Submitted</em> by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for reporting false and harmful late-payment <em>information</em> on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.847012,"14295599"]},{"_index":"complaint-public-v1","_id":"14344391","_score":19.806946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act ( FCRA ), I am documenting each step in preparation for formal legal escalation, if necessary.\n\nClarification : This complaint is separate and distinct from any previously filed complaints against Equifax. It addresses new violations and failures, specifically Equifaxs refusal to provide verification documentation in response to a formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not duplicative in subject matter or legal basis.\n\nSubject : Complaint against Equifax for Improper Handling of Spring Oaks Capital Dispute FCRA Violations 611, 623, and Refusal to Submit Verification Documentation Despite My Formal and Lawful Request Under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : I am filing this complaint against Equifax for its improper reinvestigation and continued reporting of a disputed account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ). Despite submitting evidence that clearly disqualifies this account from consumer credit reporting, Equifax marked the account as verified as accurate without providing any documentation or explanation. \n\nTimeline & Evidence : On XX/XX/year>, I sent a certified dispute directly to XXXX XXXX XXXX, which remains unanswered a violation of FCRA 623 ( a ) ( 8 ).\n\nIn my dispute letter to Equifax ( dated the same day ), I specifically requested verification of the original signed agreement. Equifax failed to obtain or acknowledge this critical document, which as I now provide clearly states the funds were not for personal, family, or household use.\n\nThis proves the debt is commercial in nature and therefore not subject to consumer credit reporting under the FCRA. \nOn XX/XX/year>, I filed a CFPB complaint ( ID # XXXX ) against XXXX XXXX XXXXXXXX XXXX which remains unresolved. \nOn XX/XX/year>, Equifax closed its reinvestigation and issued results stating the account was verified as accurate and updated, yet provided no documentation or acknowledgment of the commercial-use clause in the loan agreement. \nDue to Equifaxs non-compliance with my documentation request, I sent a formal verification demand letter, citing violations of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 5 ) ( A ), and 616 & 617. I explicitly requested the documentation used to verify the account, the method of verification, and the name of the party who confirmed the information.\n\nEquifax has refused to provide any of this information, despite my formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ).\n\nAny attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is especially concerning given that XXXX XXXX XXXX has failed to respond to both my direct dispute and my prior CFPB complaint. This suggests that Equifaxs verification process was not only inadequate but potentially misleading.\n\nI am not seeking unnecessary conflict I am requesting only the lawful correction of inaccurate and unverified information. If Equifax deletes the account in full and in good faith, I will consider the matter resolved and take no further action regarding this issue.","date_sent_to_company":"2025-06-28T19:18:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14344391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-28T19:01:34.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>against</em> <em>Equifax</em> for Improper Handling of Spring Oaks Capital Dispute FCRA Violations 611, 623, and Refusal to <em>Submit</em> Verification Documentation Despite My Formal and Lawful Request Under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) <em>Narrative</em> : I am filing this <em>complaint</em> <em>against</em> <em>Equifax</em> for its improper reinvestigation and continued reporting of a disputed account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX )."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[19.806946,"14344391"]},{"_index":"complaint-public-v1","_id":"11821542","_score":18.903759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Chronological Narrative of Events : 1. Equifax Data Breach ( XXXX ) : o Equifax suffered a massive data breach, compromising sensitive personal and financial information of over XXXX XXXX Americans, including mine. The breach exposed my data, making me vulnerable to identity theft. Confirmation of my inclusion in the breach is supported by the Equifax Data Breach Settlement website. \nXXXX. Identity Theft Emerges ( XXXX ) : o Following the breach, fraudulent accounts and unauthorized inquiries began appearing on my Equifax credit report. 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 XXXXXXXX ) o These accounts and inquiries were not initiated by me and are a direct result of identity theft enabled by the data breach. \nXXXX. First Dispute Filed with XXXX ( XX/XX/XXXX ) : o Recognizing the fraudulent nature of the XXXX XXXX XXXX account, I disputed it with XXXX. Following their investigation, XXXX determined that the account was unverifiable and removed it from my credit report. \nXXXX. First Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I filed a complaint with Equifax, requesting removal of fraudulent accounts and inquiries, including XXXX XXXX XXXX, citing FCRA 605B ( identity theft ) and providing supporting documentation. Equifax responded that the items were verified as accurate but failed to provide documentation to substantiate this claim. \nXXXX. Second Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I submitted another complaint, highlighting that the same XXXX XXXX  account had been removed by XXXX but remained on my Equifax report. I provided additional evidence, including XXXX 's deletion notice. Equifax again claimed the account was accurate without proper investigation, violating FCRA standards. \nXXXX. Third Complaint to Equifax via CFPB ( XX/XX/XXXX ) : o I submitted a complaint regarding multiple fraudulent accounts tied to the Equifax data breach. This included XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attached my FTC Identity Theft Report, affidavit, and other evidence demonstrating the accounts were fraudulent. Despite this, Equifax failed to remove the accounts, citing unverifiable results yet again. \nXXXX. Equifax 's Consent Order with CFPB ( XX/XX/XXXX ) : o The CFPB issued a consent order against Equifax for systemic failures in dispute investigations, inaccurate credit reporting, and reinsertion of deleted items. Equifax 's ongoing issues align with my experience, as they failed to comply with FCRA requirements in my case. \nXXXX. Most Recent Dispute Outcome ( XX/XX/XXXX ) : o Despite submitting extensive documentation, Equifax 's response continued to verify fraudulent accounts as accurate without adequate investigation. This included XXXX XXXX XXXX and others. Additionally, the response was generic, ignoring the specific discrepancies and prior decisions by XXXX to delete identical accounts.","date_sent_to_company":"2025-01-29T01:32:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92683","tags":"Servicemember","has_narrative":true,"complaint_id":"11821542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T01:09:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> 's Consent Order with CFPB ( XX/XX/XXXX ) : o The CFPB issued a consent order <em>against</em> <em>Equifax</em> for systemic <em>failures</em> in dispute investigations, inaccurate credit reporting, and reinsertion of deleted items. <em>Equifax</em> 's ongoing issues align with my experience, as they failed to comply with FCRA requirements in my case. \nXXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.903759,"11821542"]},{"_index":"complaint-public-v1","_id":"17031056","_score":17.595959,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17031056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-06T01:00:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this <em>complaint</em> under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) <em>against</em> <em>Equifax</em>, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.595959,"17031056"]},{"_index":"complaint-public-v1","_id":"17031057","_score":17.581371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17031057","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T01:00:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this <em>complaint</em> under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) <em>against</em> <em>Equifax</em>, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.581371,"17031057"]},{"_index":"complaint-public-v1","_id":"17034142","_score":17.5553,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17034142","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-06T00:51:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this <em>complaint</em> under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) <em>against</em> <em>Equifax</em>, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.5553,"17034142"]},{"_index":"complaint-public-v1","_id":"18329470","_score":17.404099,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Experian Information Solutions , Inc . \nProduct : Credit reporting Issue : Incorrect information on credit report / Failure to maintain reasonable procedures to ensure maximum possible accuracy Complaint Narrative I am submitting this complaint against Experian Information Solutions , Inc. for inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nExperian is currently reporting a collection account from XXXX XXXX XXXX on my credit report. However, Equifax and TransUnion have both removed this same collection account, determining it to be inaccurate, unverifiable, or otherwise not legally reportable. \n\nThis creates a clear and material inter-bureau discrepancy, which demonstrates that Experian is not maintaining reasonable procedures to assure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). \n\nFurther, Experian has previously deleted other collection accounts from my credit report, proving that Experians reporting history on my file has contained inaccuracies. Despite this, Experian continues to report this XXXX XXXX XXXX collection without providing any documentation or evidence that the account is accurate, valid, or legally reportable. \n\nBecause the same alleged debt is not being reported by XXXX XXXX XXXX, Experians continued reporting is objectively unreliable and misleading to creditors, lenders, and other users of my consumer report. \n\n\n\nViolations of Federal Law Experians actions constitute violations of the Fair Credit Reporting Act, including but not limited to : 1. 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information. \n2. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation when information is disputed or when accuracy is questionable. \n3. 15 U.S.C. 1681c ( a ) Reporting information that may no longer be legally reportable or that can not be properly verified. \n4. Misrepresentation of Creditworthiness Continuing to report a collection account that other national credit reporting agencies have determined should be removed materially harms my credit profile and falsely portrays my credit risk. \n\n\n\nHarm Caused Experians inaccurate reporting has caused : Artificial suppression of my credit score Increased difficulty obtaining credit and favorable terms Ongoing reputational and financial harm Credit reports must be accurate, complete, and consistent. Experians reporting fails this standard. \n\n\nI previously disputed the inaccurate collection account with Experian. Despite my dispute and supporting evidence, Experian continues to report the XXXX XXXX XXXX collection inaccurately. The issue remains unresolved. \n\nXXXX XXXX XXXX have removed this same collection, confirming the inaccuracy of Experians reporting.","date_sent_to_company":"2025-12-28T18:08:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"18329470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-28T17:48:27.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Company : Experian <em>Information</em> Solutions , Inc . \nProduct : Credit reporting Issue : Incorrect <em>information</em> on credit report / <em>Failure</em> to maintain reasonable procedures to ensure maximum possible accuracy <em>Complaint</em> <em>Narrative</em> I am <em>submitting</em> this <em>complaint</em> <em>against</em> Experian <em>Information</em> Solutions , Inc. for inaccurate credit reporting and <em>failure</em> to comply with the Fair Credit Reporting Act ( FCRA ). \n\nExperian is currently reporting a collection account from XXXX XXXX XXXX on my credit report."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.404099,"18329470"]},{"_index":"complaint-public-v1","_id":"18556790","_score":17.355635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint against Equifax Inc. and Equifax XXXX XXXX, XXXX for failure to maintain maximum possible accuracy, failure to properly reinvestigate disputes, improper reporting of mixed-file information, and failure to correct or delete unverifiable data on both my personal consumer credit file and my business credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). \n\nDespite my formal written disputes and submission of supporting documentation, Equifax continues to report inaccurate, inconsistent, and unverifiable information, including incorrect personal identifiers, unauthorized addresses, inconsistent bankruptcy reporting, and an invalid public record/judgment on my business credit file. \n\nConsumer Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX ONLY authorized address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Equifax is reporting multiple outdated, duplicate, or unauthorized addresses, which I have never authorized and which directly contribute to mixed-file and identity theft issues. \n\nPersonal Credit Disputes Equifax is reporting inaccurate and improperly displayed personal data, including : Name variations and aliases that do not belong to me Unauthorized and obsolete addresses Phone numbers that are not mine Employer information that is inaccurate or unverified I have demanded deletion of all incorrect personal identifiers and retention of ONLY my authorized address listed above. Equifax has failed to comply. \n\nXXXX  XXXX Bankruptcy Inconsistent & Unverifiable Reporting Equifax is reporting a XXXX  XXXX bankruptcy inconsistently across credit bureaus, making the information unverifiable : XXXX  reports : Filed XX/XX/XXXX Ref # XXXX XXXX  reports : Filed XX/XX/XXXX Ref # XXXX Equifax reports : Filed XX/XX/XXXX Ref # XXXX All report a {$0.00} liability, yet Equifax has failed to provide court-certified documentation or proper verification. \n\nThis violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 609 ( a ) Right to source disclosure FCRA 611 ( a ) Reinvestigation obligations FCRA 611 ( a ) ( XXXX ) Reinsertion standards I provided an FTC Identity Theft Report ( Ref # XXXX ) and a Police Report ( Case # XXXX ). Equifax has failed to properly investigate or delete unverifiable information. \n\nBusiness Credit File XXXX XXXXXXXX XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXXXXXX Entity Type : XXXX XXXX ( Last 4 ) : XXXX ONLY authorized business address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Authorized Officer : XXXX XXXX Equifax is reporting incorrect business identity data and an invalid civil judgment. \n\nInaccurate Civil Judgment / Public Record Equifax reports the following judgment on my business credit file : Judgment Number : XXXX Judgment Date : XX/XX/XXXX Court : XXXX XXXX Supreme Court Reported Filer : XXXX XXXX XXXX XXXX Amount : {$150000.00} This judgment is not valid as reported, is unverifiable, and does not reflect a lawful or enforceable obligation of my business. \n\nEquifax has failed to provide : Court-certified filing documentation Proof of EIN or business identity match Proof of an executed agreement or obligation Verification source and date Reporting this without proper verification violates FCRA 607 ( b ) and 611.\n\nSecurity Freeze Failure Due to documented identity theft and mixed-file activity, I formally requested security freezes on both my personal and business credit files under 15 U.S.C. 605A & 605B.\n\nEquifax has failed to properly confirm : Placement of the freezes Provision of a PIN or secure method to lift the freeze Application of the freeze to downstream products, including Equifax XXXX XXXX and XXXX feeds Harm Caused Equifaxs failures have : Damaged my personal and business creditworthiness Interfered with business banking and lending eligibility Created ongoing identity theft and mixed-file risks Delayed business funding and compliance matters","date_sent_to_company":"2026-01-08T14:25:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"18556790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-01-08T04:58:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am <em>submitting</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> Inc. and <em>Equifax</em> XXXX XXXX, XXXX for <em>failure</em> to maintain maximum possible accuracy, <em>failure</em> to properly reinvestigate disputes, improper reporting of mixed-file <em>information</em>, and <em>failure</em> to correct or delete unverifiable data on both my personal consumer credit file and my business credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA )."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.355635,"18556790"]},{"_index":"complaint-public-v1","_id":"18340763","_score":17.168407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Experian, Equifax, and TransUnion for their continued failure to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. \n\nDespite multiple prior disputes and escalations, the credit reporting agencies continue to publish information that is internally contradictory, inconsistent across bureaus, unsupported by competent evidence, and not verified through a reasonable reinvestigation. \n\nACCOUNTS IN DISPUTE XXXX  XXXX This auto loan is reported as paid, closed, with a {$0.00} balance and {$0.00} past due, yet still reflects late payment history and inconsistent delinquency counts across bureaus. These data points can not coexist with a reconciled payment history. The bureaus have failed to disclose the method of verification or identify the records relied upon, demonstrating reliance on automated responses rather than an actual review of original payment records. Continued reporting violates FCRA 607 ( b ) and 611 ( a ) and constitutes material misrepresentation. \n\nXXXX XXXX XXXX XXXX Both XXXX XXXX tradelines contain irreconcilable discrepancies across bureaus, including : Conflicting balances and past-due amounts Contradictory delinquency severity ( ranging from none to dozens of 90-day lates ) Inconsistent high credit and credit limit reporting Multiple, conflicting account status narratives ( charged off, closed due to inactivity, canceled by credit grantor ) These inconsistencies confirm that the accounts are not being reported from a single verified source of truth. No bureau has produced documentary proof such as a complete payment history, charge-off accounting, or contractual liability. Continued reporting without such proof violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ) and constitutes an unfair and deceptive practice under FTC Act 5. \n\nXXXX  XXXX XXXX XXXX This account has already been deleted by one bureau, yet continues to be reported by others with late payments, charge-off status, and inconsistent timelines. Selective deletion alone establishes that the information is unverifiable and unreliable. Continued reporting after deletion by a sister bureau, without new materially different evidence, constitutes willful reinsertion and violates FCRA 611 ( a ) ( 5 ). \n\nXXXX XXXX XXXX This tradeline contains conflicting balances, contradictory delinquency severity, and inconsistent narratives across bureaus, including whether the dispute was resolved and whether the account was charged off. No reasonable reinvestigation has been performed, and no method of verification has been disclosed. Continued reporting violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). \n\nXXXX XXXX XXXX This account is reported with conflicting credit limits, high balances, delinquency history, and charge-off narratives across bureaus. One bureau reports severe delinquency that is not corroborated by the others. These discrepancies demonstrate a failure to follow Metro 2 standards and a lack of lawful verification. \n\nUNAUTHORIZED / UNVERIFIABLE INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries and have not been provided any proof of permissible purpose as required by 15 U.S.C. 1681b. No signed application, written authorization, or transactional justification has been produced. Continued reporting of these inquiries constitutes unlawful access to my consumer report. \n\nLEGAL VIOLATIONS The conduct described above violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681b Reporting inquiries without permissible purpose FTC Act 5 Unfair and deceptive practices","date_sent_to_company":"2025-12-29T15:15:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"359XX","tags":null,"has_narrative":true,"complaint_id":"18340763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T15:14:46.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for their continued <em>failure</em> to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable <em>information</em> on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.168407,"18340763"]},{"_index":"complaint-public-v1","_id":"18340759","_score":17.160313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Experian, Equifax, and TransUnion for their continued failure to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. \n\nDespite multiple prior disputes and escalations, the credit reporting agencies continue to publish information that is internally contradictory, inconsistent across bureaus, unsupported by competent evidence, and not verified through a reasonable reinvestigation. \n\nACCOUNTS IN DISPUTE XXXX  XXXX This auto loan is reported as paid, closed, with a {$0.00} balance and {$0.00} past due, yet still reflects late payment history and inconsistent delinquency counts across bureaus. These data points can not coexist with a reconciled payment history. The bureaus have failed to disclose the method of verification or identify the records relied upon, demonstrating reliance on automated responses rather than an actual review of original payment records. Continued reporting violates FCRA 607 ( b ) and 611 ( a ) and constitutes material misrepresentation. \n\nXXXX XXXX XXXX XXXX Both XXXX XXXX tradelines contain irreconcilable discrepancies across bureaus, including : Conflicting balances and past-due amounts Contradictory delinquency severity ( ranging from none to dozens of 90-day lates ) Inconsistent high credit and credit limit reporting Multiple, conflicting account status narratives ( charged off, closed due to inactivity, canceled by credit grantor ) These inconsistencies confirm that the accounts are not being reported from a single verified source of truth. No bureau has produced documentary proof such as a complete payment history, charge-off accounting, or contractual liability. Continued reporting without such proof violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ) and constitutes an unfair and deceptive practice under FTC Act 5. \n\nXXXX  XXXX XXXX XXXX This account has already been deleted by one bureau, yet continues to be reported by others with late payments, charge-off status, and inconsistent timelines. Selective deletion alone establishes that the information is unverifiable and unreliable. Continued reporting after deletion by a sister bureau, without new materially different evidence, constitutes willful reinsertion and violates FCRA 611 ( a ) ( 5 ). \n\nXXXX XXXX XXXX This tradeline contains conflicting balances, contradictory delinquency severity, and inconsistent narratives across bureaus, including whether the dispute was resolved and whether the account was charged off. No reasonable reinvestigation has been performed, and no method of verification has been disclosed. Continued reporting violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). \n\nXXXX XXXX XXXX This account is reported with conflicting credit limits, high balances, delinquency history, and charge-off narratives across bureaus. One bureau reports severe delinquency that is not corroborated by the others. These discrepancies demonstrate a failure to follow Metro 2 standards and a lack of lawful verification. \n\nUNAUTHORIZED / UNVERIFIABLE INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries and have not been provided any proof of permissible purpose as required by 15 U.S.C. 1681b. No signed application, written authorization, or transactional justification has been produced. Continued reporting of these inquiries constitutes unlawful access to my consumer report. \n\nLEGAL VIOLATIONS The conduct described above violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681b Reporting inquiries without permissible purpose FTC Act 5 Unfair and deceptive practices","date_sent_to_company":"2025-12-29T15:15:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"359XX","tags":null,"has_narrative":true,"complaint_id":"18340759","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-29T15:00:02.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for their continued <em>failure</em> to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable <em>information</em> on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.160313,"18340759"]},{"_index":"complaint-public-v1","_id":"18340764","_score":17.13774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Experian, Equifax, and TransUnion for their continued failure to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. \n\nDespite multiple prior disputes and escalations, the credit reporting agencies continue to publish information that is internally contradictory, inconsistent across bureaus, unsupported by competent evidence, and not verified through a reasonable reinvestigation. \n\nACCOUNTS IN DISPUTE XXXX  XXXX This auto loan is reported as paid, closed, with a {$0.00} balance and {$0.00} past due, yet still reflects late payment history and inconsistent delinquency counts across bureaus. These data points can not coexist with a reconciled payment history. The bureaus have failed to disclose the method of verification or identify the records relied upon, demonstrating reliance on automated responses rather than an actual review of original payment records. Continued reporting violates FCRA 607 ( b ) and 611 ( a ) and constitutes material misrepresentation. \n\nXXXX XXXX XXXX XXXX Both XXXX XXXX tradelines contain irreconcilable discrepancies across bureaus, including : Conflicting balances and past-due amounts Contradictory delinquency severity ( ranging from none to dozens of 90-day lates ) Inconsistent high credit and credit limit reporting Multiple, conflicting account status narratives ( charged off, closed due to inactivity, canceled by credit grantor ) These inconsistencies confirm that the accounts are not being reported from a single verified source of truth. No bureau has produced documentary proof such as a complete payment history, charge-off accounting, or contractual liability. Continued reporting without such proof violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ) and constitutes an unfair and deceptive practice under FTC Act 5. \n\nXXXX  XXXX XXXX XXXX This account has already been deleted by one bureau, yet continues to be reported by others with late payments, charge-off status, and inconsistent timelines. Selective deletion alone establishes that the information is unverifiable and unreliable. Continued reporting after deletion by a sister bureau, without new materially different evidence, constitutes willful reinsertion and violates FCRA 611 ( a ) ( 5 ). \n\nXXXX XXXX XXXX This tradeline contains conflicting balances, contradictory delinquency severity, and inconsistent narratives across bureaus, including whether the dispute was resolved and whether the account was charged off. No reasonable reinvestigation has been performed, and no method of verification has been disclosed. Continued reporting violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). \n\nXXXX XXXX XXXX This account is reported with conflicting credit limits, high balances, delinquency history, and charge-off narratives across bureaus. One bureau reports severe delinquency that is not corroborated by the others. These discrepancies demonstrate a failure to follow Metro 2 standards and a lack of lawful verification. \n\nUNAUTHORIZED / UNVERIFIABLE INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries and have not been provided any proof of permissible purpose as required by 15 U.S.C. 1681b. No signed application, written authorization, or transactional justification has been produced. Continued reporting of these inquiries constitutes unlawful access to my consumer report. \n\nLEGAL VIOLATIONS The conduct described above violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681b Reporting inquiries without permissible purpose FTC Act 5 Unfair and deceptive practices","date_sent_to_company":"2025-12-29T15:15:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"359XX","tags":null,"has_narrative":true,"complaint_id":"18340764","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-29T15:14:46.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for their continued <em>failure</em> to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable <em>information</em> on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws."]},"sort":[17.13774,"18340764"]},{"_index":"complaint-public-v1","_id":"14372339","_score":16.91617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary.\n\nClarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not\nduplicative in subject matter or legal basis. This is not a Re-Dispute. \n\nSubject : Complaint Against Equifax, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : This complaint is directed against Experian, Equifax, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). \nDespite receiving prior dispute notices, detailed documentation, and verification demands, the CRAs have not permanently deleted this account from my consumer credit file. Instead, they appear to be relying on a materially deficient, deceptive, and non-verifying response from the data furnisher, which fails to meet the statutory requirements of FCRA. \nI have included key annotated excerpts from the response XXXX XXXX XXXX submitted to the CFPB ( Exhibit XXXX ), highlighting specific pages and sections that demonstrate clear violations of the Fair Credit Reporting Act.\n\nThis submission constitutes : A formal FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) verification demand ; A final CFPB complaint against the CRAs ; And a pre-litigation warning of my intent to sue all responsible parties for willful noncompliance under FCRA 616 and 617. \nLegal Grounds for Deletion The following sections of the Fair Credit Reporting Act are being violated by the continued reporting of this account : 1. 1681i Failure to Conduct Reasonable Reinvestigation 2. 1681g Failure to Disclose Verification Method 3. 1681s-2 ( b ) Furnisher 's Duty to Investigate 4. 1681e ( b ) / 607 ( b ) Maximum Possible Accuracy 5. 1681c-1 ( a ) ( 3 ) Ongoing Dispute Status 6. 1681b Lack of Permissible Purpose Evidence Summary ( Detailed Citations and Exhibits Available ) No Signed Contract or Authorization : XXXX submitted an unsigned, generic agreement with no evidence of consumer acknowledgment or acceptance. They also explicitly refused to provide any documentation proving legal ownership of the account or authorization to collect or report it.. \nNo Chain of Title with Account-Level Detail : The \" Ownership History '' provided lists internal entities without supporting assignment documentation. \nNo Proof of Mailing or Validation : The only mailed letter dated XX/XX/year>, contains no legally valid debt validation. \nFabricated Billing Statements : Missing transactions, phantom charges, and inflated balances across 10 billing cycles.\n\nPost-Charge-Off Reporting Gap : No payment history reported between charge-off and ownership transfer.\n\nNo Transaction Receipts or Mailing Proof : There is no evidence that I authorized or made any of the alleged charges. Additionally, XXXX has provided no proof that billing statements were ever mailed, nor any evidence that such mailings were received. \nUnverifiable Licensure in XXXX : Conflicting license numbers without proof of validity. \n\nConclusion & Demand Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning in light of XXXX XXXXesponse, which suggests that the verification processes used by Equifax, Experian, and TransUnion may be inadequate and potentially misleading. \nThis account is a textbook example of a phantom debt : fabricated charges, absent verification, broken legal chains of ownership, and predatory reporting tactics. The CRAs are actively participating in a scheme that has caused me direct financial harm and obstructed my ability to secure critical business funding. \n\nThis is a notice of intent to legal escalation. If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record.\n\nHowever, if the CRAs act in good faith and permanently delete the account within 15 calendar days, I will consider the matter resolved in full and will take no further action.\n\nAll referenced exhibits XXXX XXXX XXXX XXXX and Exhibits XXXX  ) will be submitted via the CFPB complaint upload system. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-06-30T18:50:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14372339","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T18:41:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>Against</em> <em>Equifax</em>, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) <em>Narrative</em> : This <em>complaint</em> is directed <em>against</em> Experian, <em>Equifax</em>, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.91617,"14372339"]},{"_index":"complaint-public-v1","_id":"14371800","_score":16.91617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary.\n\nClarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not\nduplicative in subject matter or legal basis. This is not a Re-Dispute. \n\nSubject : Complaint Against Equifax, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : This complaint is directed against Experian, Equifax, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). \nDespite receiving prior dispute notices, detailed documentation, and verification demands, the CRAs have not permanently deleted this account from my consumer credit file. Instead, they appear to be relying on a materially deficient, deceptive, and non-verifying response from the data furnisher, which fails to meet the statutory requirements of FCRA. \nI have included key annotated excerpts from the response XXXX XXXX XXXX submitted to the CFPB ( Exhibit XXXX ), highlighting specific pages and sections that demonstrate clear violations of the Fair Credit Reporting Act.\n\nThis submission constitutes : A formal FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) verification demand ; A final CFPB complaint against the CRAs ; And a pre-litigation warning of my intent to sue all responsible parties for willful noncompliance under FCRA 616 and 617. \nLegal Grounds for Deletion The following sections of the Fair Credit Reporting Act are being violated by the continued reporting of this account : 1. 1681i Failure to Conduct Reasonable Reinvestigation 2. 1681g Failure to Disclose Verification Method 3. 1681s-2 ( b ) Furnisher 's Duty to Investigate 4. 1681e ( b ) / 607 ( b ) Maximum Possible Accuracy 5. 1681c-1 ( a ) ( 3 ) Ongoing Dispute Status 6. 1681b Lack of Permissible Purpose Evidence Summary ( Detailed Citations and Exhibits Available ) No Signed Contract or Authorization : XXXX submitted an unsigned, generic agreement with no evidence of consumer acknowledgment or acceptance. They also explicitly refused to provide any documentation proving legal ownership of the account or authorization to collect or report it.. \nNo Chain of Title with Account-Level Detail : The \" Ownership History '' provided lists internal entities without supporting assignment documentation. \nNo Proof of Mailing or Validation : The only mailed letter dated XX/XX/year>, contains no legally valid debt validation. \nFabricated Billing Statements : Missing transactions, phantom charges, and inflated balances across 10 billing cycles.\n\nPost-Charge-Off Reporting Gap : No payment history reported between charge-off and ownership transfer.\n\nNo Transaction Receipts or Mailing Proof : There is no evidence that I authorized or made any of the alleged charges. Additionally, XXXX has provided no proof that billing statements were ever mailed, nor any evidence that such mailings were received. \nUnverifiable Licensure in XXXX : Conflicting license numbers without proof of validity. \n\nConclusion & Demand Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning in light of XXXX XXXXesponse, which suggests that the verification processes used by Equifax, Experian, and TransUnion may be inadequate and potentially misleading. \nThis account is a textbook example of a phantom debt : fabricated charges, absent verification, broken legal chains of ownership, and predatory reporting tactics. The CRAs are actively participating in a scheme that has caused me direct financial harm and obstructed my ability to secure critical business funding. \n\nThis is a notice of intent to legal escalation. If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record.\n\nHowever, if the CRAs act in good faith and permanently delete the account within 15 calendar days, I will consider the matter resolved in full and will take no further action.\n\nAll referenced exhibits XXXX XXXX XXXX XXXX and Exhibits XXXX  ) will be submitted via the CFPB complaint upload system. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-06-30T18:50:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14371800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-30T18:50:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> <em>Against</em> <em>Equifax</em>, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) <em>Narrative</em> : This <em>complaint</em> is directed <em>against</em> Experian, <em>Equifax</em>, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple"],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.91617,"14371800"]},{"_index":"complaint-public-v1","_id":"15236682","_score":16.818798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. What is your complaint about?\n\nCredit reporting improper handling of account, inaccurate information, illegal re-aging, and failure to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : EQUIFAX XXXX XXXX XXXX XXXX. What happened? ( Complaint Narrative ) I am filing this complaint against XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX  No. XXXX has been illegally reported and mishandled in the following ways : 1. Repeated monthly reporting of Charge Off for years, constituting illegal re-aging prohibited under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This creates the false impression of ongoing delinquency.\n\n\n2. Improperly updating the Date Closed to make the account stay on my credit report longer than legally allowed, in violation of FCRA, 15 U.S.C. 1681c ( a ).\n\n3. Incorrect Date Opened listed, which alters the legally allowed reporting period.\n\n4. Simultaneous monthly reporting as both Collection and Charge Off, which is inaccurate and misleading.\n5. The account is past the 7-year reporting limit for negative items under FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and should have been deleted.\n\n6. XXXX  has ignored my previous disputes and failed to conduct a proper investigation within the required 30 days under FCRA, 15 U.S.C. 1681i ( a ). \n\nThis is a clear case of deceptive and harmful credit reporting practices that must be addressed immediately. \n\n\n\n4. What do you think would be a fair resolution to your issue? ( Desired Resolution ) Immediate and permanent deletion of this account from all of my credit reports.\n\nInvestigation and enforcement action against XXXX  for illegal re-aging, altering account dates, and ignoring dispute obligations. \nAssurance that these harmful practices will not be repeated with other consumers. \n\n\n\n5. Supporting documents you can attach : Copies of recent credit reports showing the repeated monthly Charge Off and altered dates.\n\nRecords of disputes submitted to XXXX. \nAny correspondence from XXXX XXXX XXXX or XXXX  regarding this account.","date_sent_to_company":"2025-08-12T13:52:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"15236682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T13:41:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["What is your <em>complaint</em> about?\n\nCredit reporting improper handling of account, inaccurate <em>information</em>, illegal re-aging, and <em>failure</em> to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : <em>EQUIFAX</em> XXXX XXXX XXXX XXXX. What happened? ( <em>Complaint</em> <em>Narrative</em> ) I am filing this <em>complaint</em> <em>against</em> XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX  No."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.818798,"15236682"]},{"_index":"complaint-public-v1","_id":"15235604","_score":16.818798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. What is your complaint about?\n\nCredit reporting improper handling of account, inaccurate information, illegal re-aging, and failure to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : EQUIFAX XXXX XXXX XXXX XXXX. What happened? ( Complaint Narrative ) I am filing this complaint against XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX  No. XXXX has been illegally reported and mishandled in the following ways : 1. Repeated monthly reporting of Charge Off for years, constituting illegal re-aging prohibited under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This creates the false impression of ongoing delinquency.\n\n\n2. Improperly updating the Date Closed to make the account stay on my credit report longer than legally allowed, in violation of FCRA, 15 U.S.C. 1681c ( a ).\n\n3. Incorrect Date Opened listed, which alters the legally allowed reporting period.\n\n4. Simultaneous monthly reporting as both Collection and Charge Off, which is inaccurate and misleading.\n5. The account is past the 7-year reporting limit for negative items under FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and should have been deleted.\n\n6. XXXX  has ignored my previous disputes and failed to conduct a proper investigation within the required 30 days under FCRA, 15 U.S.C. 1681i ( a ). \n\nThis is a clear case of deceptive and harmful credit reporting practices that must be addressed immediately. \n\n\n\n4. What do you think would be a fair resolution to your issue? ( Desired Resolution ) Immediate and permanent deletion of this account from all of my credit reports.\n\nInvestigation and enforcement action against XXXX  for illegal re-aging, altering account dates, and ignoring dispute obligations. \nAssurance that these harmful practices will not be repeated with other consumers. \n\n\n\n5. Supporting documents you can attach : Copies of recent credit reports showing the repeated monthly Charge Off and altered dates.\n\nRecords of disputes submitted to XXXX. \nAny correspondence from XXXX XXXX XXXX or XXXX  regarding this account.","date_sent_to_company":"2025-08-12T13:52:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"15235604","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T13:51:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["What is your <em>complaint</em> about?\n\nCredit reporting improper handling of account, inaccurate <em>information</em>, illegal re-aging, and <em>failure</em> to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : <em>EQUIFAX</em> XXXX XXXX XXXX XXXX. What happened? ( <em>Complaint</em> <em>Narrative</em> ) I am filing this <em>complaint</em> <em>against</em> XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX  No."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.818798,"15235604"]},{"_index":"complaint-public-v1","_id":"15235603","_score":16.818798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. What is your complaint about?\n\nCredit reporting improper handling of account, inaccurate information, illegal re-aging, and failure to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : EQUIFAX XXXX XXXX XXXX XXXX. What happened? ( Complaint Narrative ) I am filing this complaint against XXXX  and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX  No. XXXX has been illegally reported and mishandled in the following ways : 1. Repeated monthly reporting of Charge Off for years, constituting illegal re-aging prohibited under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This creates the false impression of ongoing delinquency.\n\n\n2. Improperly updating the Date Closed to make the account stay on my credit report longer than legally allowed, in violation of FCRA, 15 U.S.C. 1681c ( a ).\n\n3. Incorrect Date Opened listed, which alters the legally allowed reporting period.\n\n4. Simultaneous monthly reporting as both Collection and Charge Off, which is inaccurate and misleading.\n5. The account is past the 7-year reporting limit for negative items under FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and should have been deleted.\n\n6. XXXX  has ignored my previous disputes and failed to conduct a proper investigation within the required 30 days under FCRA, 15 U.S.C. 1681i ( a ). \n\nThis is a clear case of deceptive and harmful credit reporting practices that must be addressed immediately. \n\n\n\n4. What do you think would be a fair resolution to your issue? ( Desired Resolution ) Immediate and permanent deletion of this account from all of my credit reports.\n\nInvestigation and enforcement action against XXXX  for illegal re-aging, altering account dates, and ignoring dispute obligations. \nAssurance that these harmful practices will not be repeated with other consumers. \n\n\n\n5. Supporting documents you can attach : Copies of recent credit reports showing the repeated monthly Charge Off and altered dates.\n\nRecords of disputes submitted to XXXX. \nAny correspondence from XXXX XXXX XXXX or XXXX  regarding this account.","date_sent_to_company":"2025-08-12T13:52:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"15235603","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T13:51:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["What is your <em>complaint</em> about?\n\nCredit reporting improper handling of account, inaccurate <em>information</em>, illegal re-aging, and <em>failure</em> to investigate disputes. \n\n\n\n2. Name of the company you are complaining about : <em>EQUIFAX</em> XXXX XXXX XXXX XXXX. What happened? 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