{"took":506,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":109,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15913588","_score":19.559752,"_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> Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> <em>against</em> <em>Equifax</em> 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 <em>Equifax</em> credit <em>file</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.559752,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":19.559752,"_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> Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> <em>against</em> <em>Equifax</em> 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 <em>Equifax</em> credit <em>file</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.559752,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":19.530237,"_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> Information Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> <em>against</em> <em>Equifax</em> 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 <em>Equifax</em> credit <em>file</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.530237,"15913408"]},{"_index":"complaint-public-v1","_id":"16726106","_score":19.089115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Consumer complaint narrative\\nExperian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer account XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-21T08:05:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"16726106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-21T08:05:31.000Z","state":"CA","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":["b'Consumer <em>complaint</em> <em>narrative</em>\\nExperian and <em>Equifax</em> has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved."]},"sort":[19.089115,"16726106"]},{"_index":"complaint-public-v1","_id":"16727526","_score":19.011742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Consumer complaint narrative\\nExperian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer account XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-21T08:05:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"16727526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-21T07:58:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["b'Consumer <em>complaint</em> <em>narrative</em>\\nExperian and <em>Equifax</em> has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.011742,"16727526"]},{"_index":"complaint-public-v1","_id":"16726107","_score":18.991903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Consumer complaint narrative\\nExperian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer account XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-21T08:05:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"16726107","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T08:05:31.000Z","state":"CA","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":["b'Consumer <em>complaint</em> <em>narrative</em>\\nExperian and <em>Equifax</em> has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved."]},"sort":[18.991903,"16726107"]},{"_index":"complaint-public-v1","_id":"14536179","_score":17.499817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) Complaint Summary : I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report. Despite multiple disputes and supporting documentation, Equifax has relied on automated dispute processing systems such as e-OSCAR, which do not satisfy the legal requirements for thorough investigations under 15 U.S.C. 1681i ( a ).\n\nManual Investigation Request Statement : I am formally requesting that all disputed items on my Equifax credit report undergo a manual reinvestigation, as required under the FCRA. Automated systems like e-OSCAR are not capable of properly evaluating the complexity of identity theft cases or verifying documentation such as : FTC Identity Theft Reports Police Reports FCRA 605C Self-Attestation Statements Supporting affidavits and dispute narratives I am requesting written confirmation that Equifax : Did not rely solely on e-OSCAR or automated verification tools. \n\nManually reviewed all supporting documentation I submitted. \n\nContacted each furnisher individually with my specific allegations.\n\nVerified whether furnishers conducted a proper FCRA 1681s-2 investigation.\n\nFailure to complete a manual investigation and failure to notify me of the method of verification for each account is a violation of FCRA 611 ( a ) ( 7 ).\n\nAdditional Violations and Timeline : On XX/XX/2025, I filed my first complaintEquifax closed it without adequately addressing my concerns. \n\nOn XX/XX/2025, I re-submitted additional evidence, and the investigation again concluded with a generic non-monetary relief response. \n\nOn XX/XX/2025, I provided more documentation via a phone-submitted CFPB complaint. Equifax responded on XX/XX/2025 without detailing verification steps or providing names of furnishers involved. \n\nDespite repeated documentation and proof of identity theft, including multiple FTC reports and law enforcement case numbers, Equifax continues to report disputed, inaccurate, or unverifiable data.","date_sent_to_company":"2025-07-10T02:20:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"14536179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T02:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> <em>Against</em> <em>Equifax</em> FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) <em>Complaint</em> Summary : I am <em>filing</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.499817,"14536179"]},{"_index":"complaint-public-v1","_id":"18242252","_score":16.585571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint against Equifax for Violation of FCRA XXXX XXXX ( b ) Consumer Information : Name : XXXX A. XXXX Address : XXXX XXXX Ct XXXX XXXX XXXX, XXXX, VA XXXX Company Being Reported : Company Name : Equifax Information Services, XXXX Issue : Incorrect Credit Reporting / Failure to maintain accurate procedures Complaint Narrative : I am writing to file a formal complaint against Equifax for a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the \" maximum possible accuracy '' of the information they report. \nThe Facts : Statement Evidence : My XXXX XXXX Bank statement for the period ending XX/XX/year>, explicitly shows a \" New Balance '' of {$0.00}. I made a full payment of {$190.00} on XX/XX/year>, which cleared the account. \nEquifax XXXX : Despite my account having a XXXX balance, Equifax reported on XX/XX/year>, that my balance \" increased by {$110.00} from {$0.00} to {$110.00}. '' Damages : This inaccurate reporting caused my \" Credit Card Usage '' factor to drop from \" Excellent '' to \" XXXX, '' resulting in an immediate and unjustified XXXX drop in my credit score ( from XXXX to XXXX ). \nThe Violation : XXXX systems failed to capture the actual status of the account as reflected on the legal billing statement. By reporting a {$110.00} balance when the statement of record shows {$0.00}, Equifax has published false information that negatively impacts my creditworthiness. \nRequested Action : I request that the FTC investigate Equifaxs reporting procedures regarding XXXX XXXX Bank accounts. I demand that Equifax be compelled to : Correct the balance to {$0.00} as of the XX/XX/year>, reporting period. \nRestore the XXXX points lost due to this reporting error. \nUpdate my credit usage factor back to \" Excellent","date_sent_to_company":"2025-12-23T10:07:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"18242252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-23T10:03:06.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> <em>against</em> <em>Equifax</em> for Violation of FCRA XXXX XXXX ( b ) Consumer Information : Name : XXXX A."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.585571,"18242252"]},{"_index":"complaint-public-v1","_id":"14344391","_score":16.490652,"_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 Submit Verification Documentation Despite My Formal and Lawful Request Under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) <em>Narrative</em> : I am <em>filing</em> 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 )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.490652,"14344391"]},{"_index":"complaint-public-v1","_id":"15600738","_score":16.048008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax regarding inaccurate and misleading reporting of my XXXX XXXX XXXX account. \n\nEquifax is reporting this account as Closed, but still showing a current balance of {$3400.00} and the status as Charge Off. This reporting is contradictory and violates the Fair Credit Reporting Act ( FCRA ). \n\nA closed account should not continue to reflect a current balance owed under a charge-off status. If XXXX resolved the account through insurance/GAP payments and internal charge-off treatment, the balance should be reported as {$0.00} and the charge-off reflected only in historical remarks. Instead, Equifax shows both a current balance and a current status of XXXX XXXX, which misleads future creditors into believing I still owe this amount.\n\nThis reporting fails to meet the standard of maximum possible accuracy required by FCRA 1681e ( b ). Further, once I disputed the account, Equifax was required under FCRA 1681i ( a ) to conduct a reasonable reinvestigation. By continuing to report this contra\ndictory status without proper correction, Equifax has failed in this duty. Under FCRA 1681i ( a ) ( 5 ), if the tradeline can not be verified and corrected to reflect accurate and Metro 2compliant reporting, it must be deleted entirely. \n\nHarm : This inaccurate reporting lowers my credit score and misleads potential creditors into believing I have an active delinquency of {$3400.00} when the account is closed. \n\nEvidence Attached : Equifax credit report ( XX/XX/year> ) showing the XXXX XXXX XXXX account as Closed, Balance {$3400.00}, Status = Charge Off, with narrative codes. \n\nPrior disputes and responses. \n\nDocumentation of insurance and XXXX payments previously provided.","date_sent_to_company":"2025-08-29T16:04:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"15600738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-29T15:48:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> <em>against</em> <em>Equifax</em> regarding inaccurate and misleading reporting of my XXXX XXXX XXXX account. \n\n<em>Equifax</em> is reporting this account as Closed, but still showing a current balance of {$3400.00} and the status as Charge Off. This reporting is contradictory and violates the Fair Credit Reporting Act ( FCRA ). \n\nA closed account should not continue to reflect a current balance owed under a charge-off status."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.048008,"15600738"]},{"_index":"complaint-public-v1","_id":"14644808","_score":16.005938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Regarding False Reporting by Equifax Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern at the Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S. Code 1681i ) , for providing false and misleading information regarding the status of a disputed credit account. \n\nOn XX/XX/XXXX, Equifax issued a letter ( Confirmation XXXX XXXXXXXX ) stating that my dispute regarding the XXXX XXXX XXXX XXXX account ( Account Number ending in XXXX XXXXXXXX ) had been resolved and that the item was no longer reporting on my Equifax credit file. The letter clearly states : XXXX \" >>> THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. \nCompany Name : XXXX XXXX XXXX XXXX '' However, on XX/XX/XXXX, I obtained a new Equifax credit report ( Confirmation XXXX XXXXXXXX ), and it still shows the XXXX XXXX XXXX XXXX account listed as a charge-off with a balance of {$230.00}. The account is marked with narrative codes : XXXX : Consumer Disputes Reinvestigation in Process XXXX : Charged Off Account XXXX : Account Closed by XXXX XXXX XXXX : Consumer Disputes After Resolution This directly contradicts Equifaxs prior written claim and suggests either : 1. Equifax falsely certified that the item was removed, or 2. Equifax reinserted the account without notifying me, which violates FCRA 611 ( a ) ( 5 ) ( B ).\n\nI am therefore requesting the CFPB to investigate this matter and take appropriate enforcement action. Specifically, I request : Permanent deletion of the XXXX XXXX XXXX XXXX account from my Equifax credit file A detailed explanation of the reinvestigation process Equifax used A written assurance that this account will not be reinserted without full legal notice I have attached both the XX/XX/XXXX dispute resolution letter and the XX/XX/XXXX Equifax credit report for your review. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX ---","date_sent_to_company":"2025-07-14T19:34:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"14644808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-14T19:16:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Regarding False Reporting by <em>Equifax</em> Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern at the Consumer Financial Protection Bureau , I am submitting this formal <em>complaint</em> <em>against</em> <em>Equifax</em> for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.005938,"14644808"]},{"_index":"complaint-public-v1","_id":"14409045","_score":15.997878,"_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 <em>filing</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> 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 ), <em>Equifax</em> has failed to correct or remove inaccurate, incomplete, and unverifiable information."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.997878,"14409045"]},{"_index":"complaint-public-v1","_id":"15472226","_score":15.53621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is knowingly reporting false information despite receiving all official payoff documents and proof of their errors. \n\n\n\nFull Complaint Narrative I am filing this complaint against Equifax for willfully maintaining false, damaging, and misleading information on my credit report and for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Section 611. \n\nMy XXXX XXXX auto loan was paid off in full by XXXX, and I have all supporting documents uploaded with this complaint, including : The official XXXX payoff confirmation XXXX  account records showing the loan as paid with a {$0.00} balance Screenshots of Equifaxs own reporting errors on their website Despite being provided this documentation during my initial dispute, Equifax continues to report the XXXX  account with the inaccurate remark Consumer Disputes After Resolution and without updating the account to the correct status of Paid in Full {$0.00} Balance Closed. \n\nOn top of that, Equifaxs reporting and website errors at one point made it appear that I still owed money on this loan that was already satisfied by XXXX. This is false, misleading, and harmful reporting that has damaged my creditworthiness and has caused me unnecessary stress and delays with lenders reviewing my report. \n\nEquifaxs response to my initial dispute was a generic canned reply with no evidence, no documentation, and no explanation of how they verified this tradeline. This clearly violates FCRA requirements for a reasonable reinvestigation and proper disclosure of verification methods. \n\nI am demanding the following actions : 1. Immediate correction of the XXXX tradeline to reflect Paid in Full {$0.00} Balance Closed. \n2. Removal of the inaccurate Consumer Disputes After Resolution remark. \n3. Full disclosure of the sources, methods, and records used during the original reinvestigation. \n\nEquifax has all the proof, including the official payoff confirmation and their own website errors showing incorrect balances. Their continued refusal to correct this information is willful noncompliance and a direct violation of the FCRA. If this issue is not corrected immediately, I will escalate further with legal counsel and additional regulatory filings to hold Equifax fully accountable. \n\n\n\nAttachments to Upload Exhibit A : XXXX official payoff confirmation Exhibit B : Ally account statement or closure confirmation Exhibit C : Screenshots of Equifaxs inaccurate reporting and website errors Exhibit D : Original dispute letter and proof of Equifaxs inadequate response","date_sent_to_company":"2025-08-24T05:35:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"912XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15472226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-24T05:20:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Equifax</em> is knowingly reporting false information despite receiving all official payoff documents and proof of their errors. \n\n\n\nFull <em>Complaint</em> <em>Narrative</em> I am <em>filing</em> this <em>complaint</em> <em>against</em> <em>Equifax</em> for willfully maintaining false, damaging, and misleading information on my credit report and for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Section 611."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.53621,"15472226"]},{"_index":"complaint-public-v1","_id":"16177557","_score":15.483046,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX XXXX times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. \n\nSpecifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. \nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( Equifax, XXXX, and XXXX  ). \nWritten confirmation from XXXX that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16177557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-25T18:27:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting / Incorrect information on credit report <em>Complaint</em> <em>Narrative</em> I am <em>filing</em> this <em>complaint</em> <em>against</em> XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX XXXX times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.483046,"16177557"]},{"_index":"complaint-public-v1","_id":"11821542","_score":15.215204,"_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":["First <em>Complaint</em> to <em>Equifax</em> via CFPB ( XX/XX/XXXX ) : o I <em>filed</em> a <em>complaint</em> with <em>Equifax</em>, requesting removal of fraudulent accounts and inquiries, including XXXX XXXX XXXX, citing FCRA 605B ( identity theft ) and providing supporting documentation. <em>Equifax</em> responded that the items were verified as accurate but failed to provide documentation to substantiate this claim. \nXXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.215204,"11821542"]},{"_index":"complaint-public-v1","_id":"15716380","_score":15.152139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, Equifax, XXXX, and XXXX  Issue : Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. \n\nConflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. \n\nDate Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. \n\nOngoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. \n\nI have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. \n\nResolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.","date_sent_to_company":"2025-09-04T19:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"15716380","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-04T19:00:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Against</em> : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, <em>Equifax</em>, XXXX, and XXXX  Issue : Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of <em>Complaint</em> : I am <em>filing</em> a <em>complaint</em> regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.152139,"15716380"]},{"_index":"complaint-public-v1","_id":"15230029","_score":14.933117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint- Equifax / XXXX XXXX XXXX  CFPB Complaint - Deletion Demand Complaint Against : Equifax Information Services LLC XXXX XXXX XXXX  ( Data Furnisher ) Product : Credit reporting - Consumer reports Issue : deletion. \nKnowingly publishing false credit data, re-aging accounts, double-penalizing in scoring, and refusing lawful -- - This is not a dispute. This is a formal demand for PERMANENT DELETION of a knowingly false tradeline. \nAs of XX/XX/XXXX, Equifax is reporting the following for XXXX  XXXX XXXX  : - Balance : {$1000.00} - Past Due : {$1000.00} - Status : Charged Off - Narrative Codes : Disputed, Charged Off Account, Credit Card - DOFD : XX/XX/XXXX - Date Reported : XX/XX/XXXX Why this is unlawful : 1. False \" Past Due '' after Charge-Off Once an account is charged off, it can not also be reported as currently past due. This is deceptive, violates Metro 2, and artificially increases credit scoring damage. \n2. Re-Aging of the Tradeline The \" Date Reported '' was manipulated to XX/XX/XXXX - nearly 3 years after DOFD- to make the derogatory appear recent. This is illegal re-aging under FCRA 605 ( c ) and is a willful attempt to extend the 7-year reporting window. \n3. Failure to Perform a Reasonable Investigation This tradeline was previously disputed. Equifax and XXXX XXXX were required under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation. Instead, they reinserted the same false data without correction or deletion - a willful violation of FCRA 1681n. \nCFPB Complaint- Equifax / XXXX XXXX XXXX  This is not an error, it is deliberate credit report manipulation by both the credit bureau and the furnisher, constituting defamation, willful noncompliance, and consumer harm. \n-- - Relief Sought : only. \nPermanent deletion of this tradeline from my credit file with Equifax- not correction, not \" update, '' full deletion -- - Evidence Provided : - Equifax credit report dated XX/XX/XXXX ( attached in CFPB submission ) - Screenshots of false \" past due '' status after charge-off - Prior dispute documentation showing willful re-reporting -- - Notice : If Equifax and XXXX XXXX  do not delete this tradeline, I will proceed with arbitration and federal litigation for statutory damages, punitive damages, attorney 's fees, and injunctive relief.","date_sent_to_company":"2025-08-12T19:54:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"15230029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T19:47:28.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em>- <em>Equifax</em> / XXXX XXXX XXXX  CFPB <em>Complaint</em> - Deletion Demand <em>Complaint</em> <em>Against</em> : <em>Equifax</em> Information Services LLC XXXX XXXX XXXX  ( Data Furnisher ) Product : Credit reporting - Consumer reports Issue : deletion. \nKnowingly publishing false credit data, re-aging accounts, double-penalizing in scoring, and refusing lawful -- - This is not a dispute. This is a formal demand for PERMANENT DELETION of a knowingly false tradeline."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.933117,"15230029"]},{"_index":"complaint-public-v1","_id":"18073134","_score":14.672694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good morning. Here is a clear and professional CFPB complaint statement rewritten against Experian, Equifax, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB narrative box. \n\nCFPB COMPLAINT STATEMENT AGAINST EXPERIAN, EQUIFAX, AND TRANSUNION My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. After obtaining my credit reports through XXXX, I discovered multiple inaccuracies in both account reporting and personal identifying information. \n\nI submitted a formal dispute requesting a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This dispute also included a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. I provided sufficient identifying documentation and lawfully authorized a third party to submit the dispute on my behalf. Despite this, the credit bureaus have failed to comply with their legal obligations.\n\nThe disputed accounts are reporting inaccurate and or unverifiable information. If any part of a tradeline including balance, status, payment history, remarks, or date opened can not be verified, the credit bureaus are required to delete the information under 15 U.S.C. 1681i ( a ) ( 5 ). This has not been done.\n\nThe credit bureaus are in violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) for failing to conduct a reasonable and good faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) for failing to provide a clear and complete method of verification To date, I have not been provided with the method of verification, including the procedures used, the names and contact information of the furnishers contacted, or the documentation relied upon to verify the disputed information. \n\nIn addition, the credit bureaus continue to report outdated, incorrect, or unverifiable personal information in my credit file. Under the FCRA, they are required to maintain accurate identifying information. I requested removal of all incorrect identifiers and retention of only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN Last 4 : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX The credit bureaus were required to complete their reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) and to provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ). These deadlines have not been met. I also requested that all responses be sent by mail only, yet my instructions were disregarded.","date_sent_to_company":"2025-12-16T14:56:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33351","tags":null,"has_narrative":true,"complaint_id":"18073134","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-16T14:49:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Here is a clear and professional CFPB <em>complaint</em> statement rewritten <em>against</em> Experian, <em>Equifax</em>, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB <em>narrative</em> box. \n\nCFPB <em>COMPLAINT</em> STATEMENT <em>AGAINST</em> EXPERIAN, <em>EQUIFAX</em>, AND TRANSUNION My name is XXXX XXXX, and I am submitting this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for violations of the Fair Credit Reporting Act."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.672694,"18073134"]},{"_index":"complaint-public-v1","_id":"15587726","_score":14.66485,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against XXXX, XXXX XXXX, and XXXX XXXX XXXX for their continued reporting of a fraudulent and unverifiable account that is a direct result of the XXXX  XXXX XXXX XXXX XXXX. \n\nFACTUAL BACKGROUND I am a documented victim of the Equifax XXXX XXXX, which exposed my personal identifying information without my consent. \n\nAs a result, a fraudulent account was created in my name with XXXX XXXX XXXX XXXX and it is being reported across all three major credit bureaus. \n\nThe account contains inconsistent and contradictory data, including : Different balances reported ( {$1000.00}, {$340.00}, {$330.00} ). \n\nConflicting closure dates ( charged off in XX/XX/XXXX, yet reporting continued into XXXX ). \n\nExperian reports a {$700.00} payment in XX/XX/XXXX that other bureaus do not show. \n\nEquifaxs own narrative codes contradict each other ( Charged-Off, Collateral Released, Balance Owing ). \n\nVIOLATIONS OF LAW By reporting this fraudulent account, the bureaus and MoneyLion have violated : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.\n\nFCRA 1681i : Failure to reasonably reinvestigate disputed information.\n\nFCRA 1681s-2 : Furnisher reporting false/unverifiable data.\n\nFACTA : Failure to protect consumer identity and prevent identity theft.\n\nFDCPA 1692e ( if applicable ) : Use of false or misleading representations in the reporting of a debt. \n\nHARM CAUSED This inaccurate reporting has caused me : Denial of credit opportunities. \n\nDamage to my credit reputation. \n\nEmotional distress and ongoing financial harm.","date_sent_to_company":"2025-08-28T16:25:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"15587726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-08-28T16:18:04.000Z","state":"MO","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>complaint</em> <em>against</em> XXXX, XXXX XXXX, and XXXX XXXX XXXX for their continued reporting of a fraudulent and unverifiable account that is a direct result of the XXXX  XXXX XXXX XXXX XXXX. \n\nFACTUAL BACKGROUND I am a documented victim of the <em>Equifax</em> XXXX XXXX, which exposed my personal identifying information without my consent. \n\nAs a result, a fraudulent account was created in my name with XXXX XXXX XXXX XXXX and it is being reported across all three major credit bureaus."],"company_public_response":["Company believes the <em>complaint</em> provided an opportunity to answer consumer's questions"]},"sort":[14.66485,"15587726"]},{"_index":"complaint-public-v1","_id":"18073140","_score":14.628099,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good morning. Here is a clear and professional CFPB complaint statement rewritten against Experian, Equifax, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB narrative box. \n\nCFPB COMPLAINT STATEMENT AGAINST EXPERIAN, EQUIFAX, AND TRANSUNION My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. After obtaining my credit reports through XXXX, I discovered multiple inaccuracies in both account reporting and personal identifying information. \n\nI submitted a formal dispute requesting a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This dispute also included a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. I provided sufficient identifying documentation and lawfully authorized a third party to submit the dispute on my behalf. Despite this, the credit bureaus have failed to comply with their legal obligations.\n\nThe disputed accounts are reporting inaccurate and or unverifiable information. If any part of a tradeline including balance, status, payment history, remarks, or date opened can not be verified, the credit bureaus are required to delete the information under 15 U.S.C. 1681i ( a ) ( 5 ). This has not been done.\n\nThe credit bureaus are in violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) for failing to conduct a reasonable and good faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) for failing to provide a clear and complete method of verification To date, I have not been provided with the method of verification, including the procedures used, the names and contact information of the furnishers contacted, or the documentation relied upon to verify the disputed information. \n\nIn addition, the credit bureaus continue to report outdated, incorrect, or unverifiable personal information in my credit file. Under the FCRA, they are required to maintain accurate identifying information. I requested removal of all incorrect identifiers and retention of only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN Last 4 : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX The credit bureaus were required to complete their reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) and to provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ). These deadlines have not been met. I also requested that all responses be sent by mail only, yet my instructions were disregarded.","date_sent_to_company":"2025-12-16T14:56:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33351","tags":null,"has_narrative":true,"complaint_id":"18073140","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T14:54:39.000Z","state":"FL","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":["Here is a clear and professional CFPB <em>complaint</em> statement rewritten <em>against</em> Experian, <em>Equifax</em>, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB <em>narrative</em> box. \n\nCFPB <em>COMPLAINT</em> STATEMENT <em>AGAINST</em> EXPERIAN, <em>EQUIFAX</em>, AND TRANSUNION My name is XXXX XXXX, and I am submitting this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for violations of the Fair Credit Reporting Act."]},"sort":[14.628099,"18073140"]},{"_index":"complaint-public-v1","_id":"18073139","_score":14.622499,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good morning. Here is a clear and professional CFPB complaint statement rewritten against Experian, Equifax, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB narrative box. \n\nCFPB COMPLAINT STATEMENT AGAINST EXPERIAN, EQUIFAX, AND TRANSUNION My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. After obtaining my credit reports through XXXX, I discovered multiple inaccuracies in both account reporting and personal identifying information. \n\nI submitted a formal dispute requesting a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This dispute also included a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. I provided sufficient identifying documentation and lawfully authorized a third party to submit the dispute on my behalf. Despite this, the credit bureaus have failed to comply with their legal obligations.\n\nThe disputed accounts are reporting inaccurate and or unverifiable information. If any part of a tradeline including balance, status, payment history, remarks, or date opened can not be verified, the credit bureaus are required to delete the information under 15 U.S.C. 1681i ( a ) ( 5 ). This has not been done.\n\nThe credit bureaus are in violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) for failing to conduct a reasonable and good faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) for failing to provide a clear and complete method of verification To date, I have not been provided with the method of verification, including the procedures used, the names and contact information of the furnishers contacted, or the documentation relied upon to verify the disputed information. \n\nIn addition, the credit bureaus continue to report outdated, incorrect, or unverifiable personal information in my credit file. Under the FCRA, they are required to maintain accurate identifying information. I requested removal of all incorrect identifiers and retention of only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN Last 4 : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX The credit bureaus were required to complete their reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) and to provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ). These deadlines have not been met. I also requested that all responses be sent by mail only, yet my instructions were disregarded.","date_sent_to_company":"2025-12-16T14:56:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33351","tags":null,"has_narrative":true,"complaint_id":"18073139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T14:54:39.000Z","state":"FL","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":["Here is a clear and professional CFPB <em>complaint</em> statement rewritten <em>against</em> Experian, <em>Equifax</em>, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB <em>narrative</em> box. \n\nCFPB <em>COMPLAINT</em> STATEMENT <em>AGAINST</em> EXPERIAN, <em>EQUIFAX</em>, AND TRANSUNION My name is XXXX XXXX, and I am submitting this <em>complaint</em> <em>against</em> Experian, <em>Equifax</em>, and TransUnion for violations of the Fair Credit Reporting Act."]},"sort":[14.622499,"18073139"]},{"_index":"complaint-public-v1","_id":"14365880","_score":14.608686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax for failing to ensure the accuracy, completeness, and fairness of the information they are reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and related consumer protection laws. I have previously disputed these items, and Equifax has failed to properly investigate and correct the information. I am suffering serious harm due to these inaccuracies, and despite my attempts to resolve these errors directly with the credit reporting agency, the inaccurate information remains on my file. Below are the disputed items and the laws being violated by Equifax : XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/year> High Balance : {$3800.00} Status : Collection This is a collection account that I do not recognize and have no contractual agreement with this entity. There was no prior communication or validation of debt as required under 15 U.S. Code 1692g ( Debt validation notice ). Reporting this item without proper verification and authorization is a violation of FCRA 1681e ( b ) for failing to maintain maximum possible accuracy and 1681i for failure to conduct a reasonable reinvestigation upon dispute. I have no direct relationship with XXXX XXXX XXXX and was never served any debt validation before this was reported to my credit file. It is damaging my creditworthiness and preventing access to fair lending opportunities. \nXXXX. XXXX Date : XX/XX/year> Status : Hard Inquiry This is an unauthorized hard inquiry that I did not initiate or consent to. Under FCRA 1681b ( c ), no hard inquiry should be performed on a consumers report without a permissible purpose. I did not apply for credit with XXXX  on the above-mentioned date or authorize anyone to access my credit. Reporting this inquiry without my consent is a violation of my rights and Equifax has failed to remove it despite prior notice. This is a breach of FCRA 1681b and 1681c for reporting unauthorized access and retaining inaccurate inquiries that harm my credit score. \nNarrative and Harm : Equifax has displayed a repeated pattern of noncompliance with federal consumer reporting laws. They have continuously failed to follow reasonable procedures to assure maximum possible accuracy of the information in my file as mandated under FCRA 1681e ( b ). Their failure to reasonably reinvestigate and correct these errors under FCRA 1681i even after my formal disputes demonstrates negligence. These actions have resulted in emotional distress, denial of credit, increased interest rates, and general reputational harm. My rights as a consumer are being violated and I am now forced to escalate this complaint to your office for proper enforcement and investigation. \nI am requesting that the CFPB instruct Equifax to immediately remove all the inaccurate, unverifiable, and unauthorized accounts and inquiries listed above. I am also seeking a full reinvestigation and an official correction of my credit file along with written confirmation of the results.","date_sent_to_company":"2025-07-01T02:11:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78753","tags":null,"has_narrative":true,"complaint_id":"14365880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T02:09:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this formal <em>complaint</em> <em>against</em> <em>Equifax</em> for failing to ensure the accuracy, completeness, and fairness of the information they are reporting on my credit <em>file</em> in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and related consumer protection laws. I have previously disputed these items, and <em>Equifax</em> has failed to properly investigate and correct the information."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.608686,"14365880"]},{"_index":"complaint-public-v1","_id":"14788423","_score":14.5932865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Dispute Narrative for [ Experian/Equifax/TransUnion ] To Whom It May Concern : I am filing this complaint directly against [ Experian/Equifax/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods. \n\nDetails : Negative accounts ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) remain reported as delinquent, charge-off, or in collection, despite being paid off or resolved, and despite prior disputes and an FTC Identity Theft Report. \n\nPrior complaints were filed with the CFPB, but sent to furnishers/companies. Now I am directly demanding that [ Experian/Equifax/TransUnion ] comply with the law.\n\nViolations : FCRA 1681c-2 : Requires immediate ( 4 business day ) deletion/blocking of all information resulting from identity theft upon receipt of an FTC report and dispute XXXX \n\nFCRA 1681i : Requires deletion/correction of unverifiable or inaccurate data within 30 days of dispute.\n\nFCRA 1681s-2 ( b ) : Mandates that furnishers and bureaus fully reinvestigate and correct any item found to be inaccurate, incomplete, or unverified. \n\nContinued reporting after payment and proof of non-owed status is willful noncompliance, for which statutory damages are available. \n\nDemands : Immediate, permanent deletion of all negative marks on the disputed accountsno re-reporting or reopening allowed.\n\nWritten confirmation of deletion and updated credit report.\n\nFull compliance within 4 business days ( per FCRA 1681c-2 ). Failure to comply will result in legal action and additional regulatory escalation. \n\nEvidence Provided : Prior CFPB complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FTC Identity Theft Report Credit reports showing paid accounts still reporting negatively Payment/dispute history This is a final demand for compliance before legal escalation. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-20T20:05:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"071XX","tags":null,"has_narrative":true,"complaint_id":"14788423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-20T19:46:18.000Z","state":"NJ","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 Dispute <em>Narrative</em> for [ Experian/<em>Equifax</em>/TransUnion ] To Whom It May Concern : I am <em>filing</em> this <em>complaint</em> directly <em>against</em> [ Experian/<em>Equifax</em>/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods."]},"sort":[14.5932865,"14788423"]},{"_index":"complaint-public-v1","_id":"14786818","_score":14.5932865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Dispute Narrative for [ Experian/Equifax/TransUnion ] To Whom It May Concern : I am filing this complaint directly against [ Experian/Equifax/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods. \n\nDetails : Negative accounts ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) remain reported as delinquent, charge-off, or in collection, despite being paid off or resolved, and despite prior disputes and an FTC Identity Theft Report. \n\nPrior complaints were filed with the CFPB, but sent to furnishers/companies. Now I am directly demanding that [ Experian/Equifax/TransUnion ] comply with the law.\n\nViolations : FCRA 1681c-2 : Requires immediate ( 4 business day ) deletion/blocking of all information resulting from identity theft upon receipt of an FTC report and dispute XXXX \n\nFCRA 1681i : Requires deletion/correction of unverifiable or inaccurate data within 30 days of dispute.\n\nFCRA 1681s-2 ( b ) : Mandates that furnishers and bureaus fully reinvestigate and correct any item found to be inaccurate, incomplete, or unverified. \n\nContinued reporting after payment and proof of non-owed status is willful noncompliance, for which statutory damages are available. \n\nDemands : Immediate, permanent deletion of all negative marks on the disputed accountsno re-reporting or reopening allowed.\n\nWritten confirmation of deletion and updated credit report.\n\nFull compliance within 4 business days ( per FCRA 1681c-2 ). Failure to comply will result in legal action and additional regulatory escalation. \n\nEvidence Provided : Prior CFPB complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FTC Identity Theft Report Credit reports showing paid accounts still reporting negatively Payment/dispute history This is a final demand for compliance before legal escalation. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-20T20:05:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"071XX","tags":null,"has_narrative":true,"complaint_id":"14786818","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-20T20:04:49.000Z","state":"NJ","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 Dispute <em>Narrative</em> for [ Experian/<em>Equifax</em>/TransUnion ] To Whom It May Concern : I am <em>filing</em> this <em>complaint</em> directly <em>against</em> [ Experian/<em>Equifax</em>/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods."]},"sort":[14.5932865,"14786818"]},{"_index":"complaint-public-v1","_id":"14786819","_score":14.591889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Dispute Narrative for [ Experian/Equifax/TransUnion ] To Whom It May Concern : I am filing this complaint directly against [ Experian/Equifax/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods. \n\nDetails : Negative accounts ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) remain reported as delinquent, charge-off, or in collection, despite being paid off or resolved, and despite prior disputes and an FTC Identity Theft Report. \n\nPrior complaints were filed with the CFPB, but sent to furnishers/companies. Now I am directly demanding that [ Experian/Equifax/TransUnion ] comply with the law.\n\nViolations : FCRA 1681c-2 : Requires immediate ( 4 business day ) deletion/blocking of all information resulting from identity theft upon receipt of an FTC report and dispute XXXX \n\nFCRA 1681i : Requires deletion/correction of unverifiable or inaccurate data within 30 days of dispute.\n\nFCRA 1681s-2 ( b ) : Mandates that furnishers and bureaus fully reinvestigate and correct any item found to be inaccurate, incomplete, or unverified. \n\nContinued reporting after payment and proof of non-owed status is willful noncompliance, for which statutory damages are available. \n\nDemands : Immediate, permanent deletion of all negative marks on the disputed accountsno re-reporting or reopening allowed.\n\nWritten confirmation of deletion and updated credit report.\n\nFull compliance within 4 business days ( per FCRA 1681c-2 ). Failure to comply will result in legal action and additional regulatory escalation. \n\nEvidence Provided : Prior CFPB complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FTC Identity Theft Report Credit reports showing paid accounts still reporting negatively Payment/dispute history This is a final demand for compliance before legal escalation. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-20T20:05:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"071XX","tags":null,"has_narrative":true,"complaint_id":"14786819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-20T20:04:49.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB Dispute <em>Narrative</em> for [ Experian/<em>Equifax</em>/TransUnion ] To Whom It May Concern : I am <em>filing</em> this <em>complaint</em> directly <em>against</em> [ Experian/<em>Equifax</em>/TransUnion ] for continued illegal reporting of paid/settled and unverifiable negative tradelines on my fathers credit report, despite prior formal disputes, supporting documentation, and the passing of the statutory 30-day and 4-day reinvestigation/removal periods."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.591889,"14786819"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":109,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":109}]}},"product":{"doc_count":109,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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