{"took":131,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":74,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15913588","_score":23.117079,"_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 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."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[23.117079,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":23.117079,"_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 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."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[23.117079,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":23.104336,"_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 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."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[23.104336,"15913408"]},{"_index":"complaint-public-v1","_id":"16177557","_score":19.69329,"_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 <em>information</em> 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."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[19.69329,"16177557"]},{"_index":"complaint-public-v1","_id":"14409045","_score":19.319191,"_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 <em>continued</em> 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 <em>information</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.319191,"14409045"]},{"_index":"complaint-public-v1","_id":"15472226","_score":19.089685,"_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 <em>information</em> 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 <em>information</em> on my credit report and for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Section 611."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[19.089685,"15472226"]},{"_index":"complaint-public-v1","_id":"15716380","_score":18.976978,"_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."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.976978,"15716380"]},{"_index":"complaint-public-v1","_id":"14344391","_score":18.878777,"_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 <em>continued</em> 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":[18.878777,"14344391"]},{"_index":"complaint-public-v1","_id":"15587726","_score":18.503094,"_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 <em>continued</em> 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 <em>information</em> 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":[18.503094,"15587726"]},{"_index":"complaint-public-v1","_id":"14319133","_score":17.66888,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax Information Services LLC for willfully violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equifax has continued to report false address information, inaccurate and derogatory account data, and unauthorized inquiries, despite previous attempts to request reinvestigation. These actions are misleading, damaging, and violate my federal rights under the FCRA.\n\nIssues Identified : 1. Inaccurate Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not now and has never been my residence. This incorrect address is damaging my credit profile and associating me with fraudulent/irrelevant accounts.\n\nViolation : FCRA 1681e ( b ) Equifax is required to maintain accurate and complete records.\n\nFCRA 1681i ( a ) ( 1 ) ( A ) Equifax must conduct a reasonable reinvestigation upon dispute.\n\n2. Inaccurate Account Reporting XXXX XXXX XXXX  Account Number : # XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Multiple late payments are being reported inaccurately. These alleged delinquencies were never properly verified by the furnisher, and I was not given notice of negative reporting as required under the law.\n\nViolations : FCRA 1681s-2 ( a ) Furnishers must not report information they know is inaccurate.\n\nFCRA 1681i Equifax must conduct a thorough reinvestigation upon consumer dispute.\n\nFCRA 1681c ( a ) ( 5 ) Must not include obsolete information.\n\nNarrative : This account has reported late payments inaccurately, harming my credit standing. I have not received any formal validation of this debt, nor was I notified properly before derogatory data was added to my report. I demand full reinvestigation and removal unless the data can be verified per FCRA standards. \nXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is listed as Charge Off despite being resolved. Reporting a charge-off after resolution is misleading and materially harmful.\n\nViolations : FCRA 1681s-2 ( b ) Duty to correct and update information.\n\nFCRA 1681e ( b ) Duty to ensure maximum possible accuracy.\n\nNarrative : This account reflects a status of \" Charge Off '' even though it has been resolved and no balance is owed. Continued reporting of negative status without proper update is deceptive and violates my rights. Equifax has failed to reasonably update this entry.\n\n3. Unjust/Unauthorized Hard Inquiries XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this hard inquiry. There is no record of any application with this entity. \nXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : This inquiry was performed without my consent or any permissible purpose. \nXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I have not applied for any services or credit with this business.\n\nViolation for All Inquiries : FCRA 1681b ( a ) A credit bureau may only furnish a consumer report if there is a permissible purpose.\n\nFCRA 1681b ( c ) Hard inquiries require the consumers explicit consent.\n\nNarrative : These hard inquiries are unauthorized and causing unnecessary damage to my credit score. I have no existing or past business with these companies and never provided written consent to pull my credit. Equifax has failed to ensure the inquiries were conducted for lawful reasons.\n\nLegal Summary : Equifax is in violation of the following FCRA statutes : 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.\n\n1681i : Failure to reinvestigate disputed information.\n\n1681b : Unauthorized access of credit reports.\n\n1681s-2 ( a ) & ( b ) : Reporting false data and failure to update/correct it.\n\n1681c : Inclusion of obsolete or outdated information.\n\nRelief Requested : I respectfully request the CFPB to take the following actions : 1. Order Equifax to immediately remove the inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n2. Remove or correct all erroneous and unverifiable information regarding the listed accounts and inquiries.\n\n3. Sanction Equifax, if appropriate, for repeated failure to maintain accurate consumer records.\n\n4. Provide a detailed reinvestigation report with source documentation for all verified entries.","date_sent_to_company":"2025-06-26T13:49:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29456","tags":null,"has_narrative":true,"complaint_id":"14319133","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-26T13:45:38.000Z","state":"SC","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> <em>Information</em> Services LLC for willfully violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. <em>Equifax</em> has <em>continued</em> to report false address <em>information</em>, inaccurate and derogatory account data, and unauthorized inquiries, despite previous attempts to request reinvestigation. These actions are misleading, damaging, and violate my federal rights under the FCRA.\n\nIssues Identified : 1."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.66888,"14319133"]},{"_index":"complaint-public-v1","_id":"14788423","_score":17.667427,"_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 <em>continued</em> 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."],"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":[17.667427,"14788423"]},{"_index":"complaint-public-v1","_id":"14786818","_score":17.667427,"_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 <em>continued</em> 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."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.667427,"14786818"]},{"_index":"complaint-public-v1","_id":"14786819","_score":17.662567,"_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 <em>continued</em> 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."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.662567,"14786819"]},{"_index":"complaint-public-v1","_id":"18073134","_score":17.531641,"_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."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.531641,"18073134"]},{"_index":"complaint-public-v1","_id":"18073140","_score":17.482567,"_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."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.482567,"18073140"]},{"_index":"complaint-public-v1","_id":"18073139","_score":17.475853,"_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."],"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":[17.475853,"18073139"]},{"_index":"complaint-public-v1","_id":"14295600","_score":17.139015,"_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 Submitted by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting 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":[17.139015,"14295600"]},{"_index":"complaint-public-v1","_id":"11821542","_score":17.114109,"_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":["Chronological <em>Narrative</em> of Events : 1. <em>Equifax</em> Data Breach ( XXXX ) : o <em>Equifax</em> suffered a massive data breach, compromising sensitive personal and financial <em>information</em> 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 <em>Equifax</em> Data Breach Settlement website. \nXXXX."],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[17.114109,"11821542"]},{"_index":"complaint-public-v1","_id":"14296457","_score":17.088867,"_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 Submitted by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting 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":[17.088867,"14296457"]},{"_index":"complaint-public-v1","_id":"14295599","_score":17.080473,"_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 Submitted by : [ Your Full Name ] Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting 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":[17.080473,"14295599"]},{"_index":"complaint-public-v1","_id":"13328104","_score":16.69873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. \n\nOver the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. \n\nConcerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. \n\nConcerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. \n\nConcerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. \n\nMy trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. \n\nMy Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-05-04T22:24:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13328104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-04T22:23:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting <em>Information</em> To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal <em>complaint</em> <em>against</em> XXXX Bank XXXX XXXX, <em>Equifax</em>, TransUnion, and Experian for their mishandling, misreporting"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[16.69873,"13328104"]},{"_index":"complaint-public-v1","_id":"13330284","_score":16.646362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. \n\nOver the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. \n\nConcerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. \n\nConcerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. \n\nConcerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. \n\nMy trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. \n\nMy Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-05-04T22:24:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13330284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-04T22:11:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting <em>Information</em> To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal <em>complaint</em> <em>against</em> XXXX Bank XXXX XXXX, <em>Equifax</em>, TransUnion, and Experian for their mishandling, misreporting"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[16.646362,"13330284"]},{"_index":"complaint-public-v1","_id":"16664666","_score":16.341986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is filed against XXXX XXXX XXXX ( XXXX ) and Equifax Information Services LLC for the ongoing publication of false and manipulated credit data associated with the XXXX account ending XXXX. This complaint is not a duplicate. It is a new complaint supported by newly discovered forensic evidence demonstrating post-settlement data tampering, identity misuse, and willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Resource Guide ( CRRG ) standards.\n\nFollowing the insurance settlement of my vehicle, XXXX was fully paid and the account was no longer owed. However, Equifax continues to report this account as a charge-off with an active balance of {$3300.00}. The credit data reported by Equifax reflects deliberate, sequential manipulation of key reporting fields that create a false narrative of ongoing delinquency. The XXXX history shows systemic falsification. Specifically, on XX/XX/XXXX Equifax reported Balance : {$3300.00}, Past Due : {$3300.00}, High Credit : {$32000.00}. On XX/XX/XXXX Equifax reported Balance : {$3300.00}, Past Due : blank, High Credit : {$3800.00}. The Last Payment Date field was altered across multiple monthsshowing XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and again XX/XX/XXXX on XX/XX/XXXX. The High Credit field was later changed to Not Reported in XX/XX/XXXX, effectively removing historical data. This creates a pattern of data re-aging and reinsertion of altered values inconsistent with any legitimate loan activity. \n\nThese inconsistencies violate multiple federal statutes and industry reporting standards. XXXX and Equifaxs conduct violates FCRA 1681e ( b ) for failure to ensure maximum possible accuracy, 1681i ( a ) for failure to reasonably reinvestigate disputed information, and 1681c ( a ) ( 4 ) for unlawful re-aging of account data. The manipulation of the Date of Last Payment and High Credit fields constitutes deliberate data alteration designed to extend the derogatory reporting period, contrary to the seven-year limitation under FCRA. Furthermore, under Metro 2 CRRG 6.2.2, furnishers must preserve static values for Date of First Delinquency and High Credit. Changing these fields without verified supporting documentation is prohibited and constitutes a willful furnishing of false data. \n\nHMFs continued furnishing of account information after full insurance payoff is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information known or reasonably believed to be inaccurate. The companys ongoing furnishing of new payment-date values and altered balances under my name represents unauthorized use of my consumer identity after account closure. This is equivalent to post-settlement identity misuse. No legitimate account activity occurred after insurance settlement, and no Form 1099-C was ever issued under 26 U.S.C. 6050P to recognize a cancellation of debt. The lack of a 1099-C confirms that the account was not an unpaid debt, and any continued reporting constitutes a false representation of liability. \n\nThe forensic analysis of the XXXX payment history confirms that XXXX systematically re-aged and republished tradeline data after the obligation was extinguished. The simultaneous presence of multiple conflicting XXXX XXXX narrative codes022 ( charge-off ), 067 ( loss write-off ), 132 ( repossession ), 167 ( insurance claim ), and 214 ( repossession completed ) is impossible under standard data protocols. These codes can not coexist legitimately and indicate manual intervention or automated manipulation of account data. \n\nRequested Resolution : Immediate deletion of the XXXX XXXX XXXX tradeline from Equifax and all associated credit reporting systems. \n\nFormal acknowledgment by XXXX and Equifax that this account was satisfied through insurance settlement and that the consumer has no further liability. \n\nWritten certification under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) that this tradeline will not be reinserted without written notice to the consumer and supporting documentation verifying accuracy. \n\nA CFPB enforcement review of XXXX XXXX XXXX post-settlement furnishing practices under FCRA 1681s and potential referral for investigation under 18 U.S.C. 1028 ( identity misuse ). \n\nConfirmation from Equifax that all inaccurate payment-date, high-credit, and status fields have been purged and that the account has been permanently suppressed. \n\nThis complaint demonstrates willful noncompliance and reckless disregard of the truth as defined by the U.S. Supreme Court in Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( XXXX ). The pattern of re-aged data, inconsistent balances, and falsified payment dates establishes clear intent to misrepresent my credit profile and unlawfully extend a derogatory tradeline. I request the CFPBs direct intervention and enforcement action to ensure full deletion, compliance certification, and civil accountability.","date_sent_to_company":"2025-10-17T11:14:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"16664666","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-17T11:14:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This <em>complaint</em> is <em>filed</em> <em>against</em> XXXX XXXX XXXX ( XXXX ) and <em>Equifax</em> <em>Information</em> Services LLC for the ongoing publication of false and manipulated credit data associated with the XXXX account ending XXXX. This <em>complaint</em> is not a duplicate."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.341986,"16664666"]},{"_index":"complaint-public-v1","_id":"18556790","_score":16.097942,"_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 submitting this <em>complaint</em> <em>against</em> <em>Equifax</em> Inc. and <em>Equifax</em> XXXX XXXX, XXXX for failure to maintain maximum possible accuracy, failure to properly reinvestigate disputes, improper reporting of mixed-<em>file</em> <em>information</em>, and failure to correct or delete unverifiable data on both my personal consumer credit <em>file</em> and my business credit <em>file</em>, 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":[16.097942,"18556790"]},{"_index":"complaint-public-v1","_id":"18329470","_score":15.962038,"_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 / Failure to maintain reasonable procedures to ensure maximum possible accuracy <em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> <em>against</em> Experian <em>Information</em> 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."],"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":[15.962038,"18329470"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":74,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":74}]}},"product":{"doc_count":74,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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