{"took":175,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":108,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":22.234203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>reporting</em> Problem with a company 's <em>investigation</em> into <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>EQUIFAX</em> XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> company 's <em>investigation</em> into an <em>existing</em> problem <em>EQUIFAX</em> XX/XX/<em>XXXX</em> <em>XXXX</em> Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>reporting</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>investigation</em> into an <em>existing</em> problem <em>Equifax</em> Credit Bureau XX/XX/<em>XXXX</em> <em>XXXX</em> Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>reporting</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>investigation</em> into an <em>existing</em> problem <em>Equifax</em> Information"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[22.234203,"18303833"]},{"_index":"complaint-public-v1","_id":"3713384","_score":20.908043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> problem <em>EQUIFAX</em> , INC."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[20.908043,"3713384"]},{"_index":"complaint-public-v1","_id":"2969509","_score":18.874039,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of \" permissible purpose '' of the items being disputed and that if evidence of \" permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the \" factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of \" permissible purpose ''.","date_sent_to_company":"2018-07-21T15:25:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70122","tags":null,"has_narrative":true,"complaint_id":"2969509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-21T14:57:26.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I informed <em>Equifax</em> on or about <em>XX/XX</em>/2018 of unauthorized inquiries <em>existing</em> on my credit <em>report</em> and requested that they <em>investigate</em> and provide me with evidence of \" permissible purpose '' of the items being disputed and that if evidence of \" permissible purpose '' was not available, then they should delete the items from my credit <em>report</em>.."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.874039,"2969509"]},{"_index":"complaint-public-v1","_id":"4717134","_score":18.33121,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax consistently keeps lying about an investigation into an existing issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. \n\nShocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. \n\nBasically Equifax lied the whole time about how they Investigated and that is not ethical.","date_sent_to_company":"2021-09-13T22:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60099","tags":"Servicemember","has_narrative":true,"complaint_id":"4717134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-13T22:15:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> consistently keeps lying about an <em>investigation</em> into an <em>existing</em> issue. \n\nBasically I sent a letter to <em>Equifax</em> on XX/XX/<em>XXXX</em>, they received it XX/XX/<em>XXXX</em> at <em>XXXX</em>, about the Department of veterans affairs account. <em>Equifax</em> <em>responded</em> 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to <em>Equifax</em> on XX/XX/<em>XXXX</em> in which they received it on XX/XX/<em>XXXX</em> at <em>XXXX</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.33121,"4717134"]},{"_index":"complaint-public-v1","_id":"9384794","_score":17.178837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, XXXX, and Equifax. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the XXXX XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-29T21:32:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB Complaint <em>XXXX</em> : Credit <em>reporting</em>, Problem with a company 's <em>investigation</em> into an <em>existing</em> problem, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/year>, Closed, Company <em>responded</em>. \nCFPB Complaint <em>XXXX</em> : Credit <em>reporting</em>, Problem with a company 's <em>investigation</em> into an <em>existing</em> problem, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/year>, Closed, Company <em>responded</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.178837,"9384794"]},{"_index":"complaint-public-v1","_id":"6966521","_score":16.832064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["into an <em>existing</em> problem <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open Company response is in progress as of <em>XX/XX</em>/2023 CFPB <em>REPORT</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit <em>reporting</em> Problem with a credit <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> problem <em>Equifax</em> Information Services LLC <em>XX/XX</em>/2023 <em>XXXX</em> Open Company response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of <em>RESPONDING</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.832064,"6966521"]},{"_index":"complaint-public-v1","_id":"11931843","_score":16.800667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had disputed an account on my credit file to Equifax XX/XX/XXXX as well as the 3 major credit bureaus. Equifax file # XXXX All of the information was submitted by mail for the first time on or about XX/XX/XXXX via certified mail as well as several subsequent mailings to XXXX, XXXX, Equifax and XXXX. An investigation was done and I was notified by every agency except for Equifax that the file was removed from my report permanently. I had called Equifax several times and had been given verbal confirmation that this file was removed after the 30 day waiting period when the merchant/account in question did not respond to Equifax 's requests. Since late XX/XX/XXXX this file has not been listed on any of the 3 bureaus listed, however XX/XX/XXXX I was denied credit due to Equifax reporting this account on my file. The agent for Equifax stated \" it just recently started reporting again '' and \" there was nothing they could do about it '' Equifax also stated that they have NEVER received any documentation from me regarding this account when their is an existing file number and this was investigated and removed only to be reinserted which is a violation and willful non-compliance under the statutes. This statement is inaccurate as all bureaus received several letters, court filings etc regarding this account via certified mail. I will be taking legal action against Equifax for violations of the FDCPA and the FCRA.","date_sent_to_company":"2025-02-04T17:42:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79924","tags":null,"has_narrative":true,"complaint_id":"11931843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T17:23:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I had disputed an account on my credit file to <em>Equifax</em> XX/XX/<em>XXXX</em> as well as the 3 major credit bureaus. <em>Equifax</em> file # <em>XXXX</em> All of the information was submitted by mail for the first time on or about XX/XX/<em>XXXX</em> via certified mail as well as several subsequent mailings to <em>XXXX</em>, <em>XXXX</em>, <em>Equifax</em> and <em>XXXX</em>. An <em>investigation</em> was done and I was notified by every agency except for <em>Equifax</em> that the file was removed from my <em>report</em> permanently."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.800667,"11931843"]},{"_index":"complaint-public-v1","_id":"4621746","_score":16.094666,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["an <em>existing</em> problem <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Feedback provided <em>XXXX</em> Credit <em>reporting</em> Incorrect information on your <em>report</em> <em>EQUIFAX</em> <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit <em>reporting</em> Incorrect information on your <em>report</em> <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Feedback provided <em>XXXX</em> Credit <em>reporting</em> Incorrect information on your <em>report</em> <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit <em>reporting</em> Incorrect information on your <em>report</em> <em>EQUIFAX</em> <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit <em>reporting</em> Incorrect"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[16.094666,"4621746"]},{"_index":"complaint-public-v1","_id":"4105216","_score":15.650257,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. \n\nI have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/2020 ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. \n\nOver the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. \n\nAlso the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. \n\nThank you for your assistance.","date_sent_to_company":"2021-01-30T18:13:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"149XX","tags":null,"has_narrative":true,"complaint_id":"4105216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-30T17:58:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["To Whom It May Concern : I am writing to file a complaint against <em>Equifax</em>, <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, GA <em>XXXX</em>. \n\nI have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit <em>report</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.650257,"4105216"]},{"_index":"complaint-public-v1","_id":"14735712","_score":15.525282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Equifax 's Failure to Conduct a Reasonable Investigation and Remove Inaccurate Information Furnished by XXXX XXXX XXXX. \n\nThis complaint details Equifax 's failure to conduct a reasonable investigation and remove inaccurate and unlawfully reported information furnished by XXXX XXXX XXXX ( XXXX ) regarding an alleged debt originally with XXXX XXXX. Despite my formal dispute providing clear evidence of inaccuracies, Equifax continues to report this item, violating the Fair Credit Reporting Act ( FCRA ). \n\nTimeline of Events : XX/XX/XXXX : I sent a certified letter to XXXX XXXX XXXX ( XXXX ), requesting full debt validation under FDCPA 1692g. This letter also included a proposal for pay-for-delete. ( You can use your existing 'My Letter to XXXX XXXX Validation Request.pdf ' ) XX/XX/XXXX : My validation request was delivered to XXXX . ( You can use your existing XXXX XXXX XXXX ' ) XX/XX/XXXX : XXXX sent a reply letter. This letter provided inadequate validation, merely stating they \" confirmed '' the balance with XXXX and directing me to an online portal for \" materials received from the creditor. '' ( You can use your existing XXXX XXXX ' ) XX/XX/XXXX : I sent a formal dispute letter via certified mail to Equifax , detailing the inaccuracies and violations committed by XXXX , including re-aging and failure to validate. ( Attach your dispute letter to Equifax here ). \n\nXX/XX/XXXX : Equifax responded to my dispute, stating the account \" Remains '' on my report because the information has been \" verified. '' ( Attach your 'Equifax Dispute Results ' document here ). \n\nCurrently : The inaccurate information remains on my Equifax credit report. \n\nEquifax 's Failure to Conduct a Reasonable Investigation ( FCRA Violations ) : Equifax has failed in its duty to conduct a reasonable investigation into the accuracy of the disputed information, as required by FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681i ( a ) ( 4 ). My dispute provided clear evidence, yet Equifax merely accepted a re-certification from XXXX XXXX XXXX without adequately scrutinizing the provided facts. \n\nSpecifically, Equifax continues to report : Illegal Re-aging of Debt : My Equifax report shows a \" Date opened '' for the XXXX XXXX XXXX account of XX/XX/XXXX. This date falsely represents the age of the debt, as it is the date XXXX acquired the account, not the original date of first delinquency ( DOFD ). The XXXX XXXX bill provided by XXXX XXXX XXXX itself is dated XX/XX/XXXX, and clearly marks the account as \" Past Due '' with a \" Previous Balance '' from before that date. This irrefutably proves the debt originated and became delinquent long before XX/XX/XXXX. By allowing this re-aged date to remain, Equifax is permitting the extension of the permissible reporting period beyond the 7 years from the true DOFD, violating 15 U.S.C. 1681c ( a ) ( 4 ). This is also contrary to CFPB Bulletin 2014-01 regarding accurate DOFD reporting.\n\nInaccurate Balance Reporting : My Equifax report states the balance for this account is {$480.00}. However, the XXXX XXXX XXXX that XXXX XXXX XXXX provided as their basis for collection lists a \" Total Due '' of {$830.00} and a \" Remaining Previous Balance '' of {$720.00}. Equifax 's failure to identify and correct this discrepancy, despite being provided with the original bill, constitutes a failure in their duty to ensure \" maximum possible accuracy '' under FCRA 1681e ( b ). This also implicates FCRA 1681s-2 ( a ) ( 1 ) ( A ), as they failed to correct inaccurate information furnished by XXXX. \n\nContinued Reporting of Unvalidated Debt : I formally requested validation from XXXX XXXX XXXX on XX/XX/XXXX. Their response was inadequate, failing to provide the full validation required by FDCPA 1692g ( b ). Despite being informed of this dispute and lack of validation in my dispute letter to Equifax, the bureau continues to report this account. This demonstrates a failure to reasonably investigate the validity of the debt being reported and its compliance with consumer protection laws.","date_sent_to_company":"2025-07-19T00:08:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"14735712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-18T23:52:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> : <em>Equifax</em> <em>responded</em> to my dispute, stating the account \" Remains '' on my <em>report</em> because the information has been \" verified. '' ( Attach your '<em>Equifax</em> Dispute Results ' document here ). \n\nCurrently : The inaccurate information remains on my <em>Equifax</em> credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.525282,"14735712"]},{"_index":"complaint-public-v1","_id":"4015780","_score":14.489469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. Equifax responded to CFPB complaint dated XX/XX/2020 on XX/XX/2020 that the investigation results should fix the existing problem of my bankruptcy being reported. How is this item verified? Provide me with Equifaxs method of verification by providing the original petition with my signature from the original furnisher of this information. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Equifax has not provided. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Equifax reports contact information for creditor : US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX. XXXX  reports : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. XXXX  reports : US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX No phone number available. How is this public record reporting accurate with three different addresses and three different court names.? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not. I have attached a letter from U.S. Bankruptcy court that states that they do not furnish, report, verify, or provide information to the CRA 's dated XX/XX/2020. I have provided copy of reports from Equifax, XXXX, and XXXX. I have provided copy of XXXX consumer reports dated XX/XX/2020 and XX/XX/2020 to show that there is no public record of a bankruptcy reporting from the third party XXXX in which you provided to consumer in who you verified public record from.","date_sent_to_company":"2020-12-16T18:00:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30269","tags":null,"has_narrative":true,"complaint_id":"4015780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-12-16T16:54:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has stated that the public record remains on credit <em>report</em> as unchanged and that the account has been verified with the furnisher as accurate as of <em>XX/XX</em>/2020. <em>Equifax</em> <em>responded</em> to CFPB complaint dated <em>XX/XX</em>/2020 on <em>XX/XX</em>/2020 that the <em>investigation</em> results should fix the <em>existing</em> problem of my bankruptcy being <em>reported</em>. How is this item verified?"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.489469,"4015780"]},{"_index":"complaint-public-v1","_id":"15568797","_score":14.156578,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMATIC WILLFUL FCRA VIOLATIONS- CREDIT BUREAUS IGNORED JUDICIAL DISMISSAL EVIDENCE BACKGROUND : On XX/XX/XXXX, XXXX XXXX XXXX dismissed XXXXXXXX XXXX XXXX lawsuit ( Case XXXX XXXX ) against me after the court scheduled a sanctions hearing for XXXXXXXX XXXX  failure to prosecute their case. This judicial dismissal proves the debt is legally unsubstantiated and can not be accurately reported on credit reports. \n\nFCRA DISPUTE WITH JUDICIAL EVIDENCE : On XX/XX/XXXX, I sent comprehensive FCRA disputes to both Equifax and TransUnion with complete court dismissal documentation. I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX XXXX failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative reporting violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : EQUIFAX RESPONSE ( XX/XX/XXXX ) : Despite receiving indisputable judicial evidence, Equifax responded : \" Current status is being reported correctly. '' This violates FCRA 1681i ( a ) ( 1 ) investigation requirements and 1681e ( b ) accuracy standards. \n\nTRANSUNION RESPONSE ( XX/XX/XXXX ) : TransUnion received identical judicial dismissal evidence yet responded : \" Information was verified accurate. '' This demonstrates systematic willful disregard for judicial findings. \n\nWILLFUL MISCONDUCT ANALYSIS : Court dismissals represent the highest level of legal evidence available. No reasonable investigation can verify dismissed debt as \" accurate. '' Both bureaus received identical indisputable proof yet claimed \" verified accurate, '' demonstrating willful contempt for the judicial system. \n\nSYSTEMATIC PATTERN : Both credit bureaus ignored identical judicial evidence and provided identical willful violation responses, indicating industry-wide misconduct in handling court dismissal evidence. \n\nCONSUMER HARM : Continued negative credit reporting of judicially dismissed debt damages credit scores, lending opportunities, and violates fundamental accuracy requirements. The willful nature of these violations demonstrates corporate contempt for consumer protection laws and judicial authority. \n\nREGULATORY COORDINATION : This complaint coordinates with existing CFPB complaints against XXXX XXXX  and active XXXX  Attorney General XXXX, demonstrating systematic violations across multiple federal consumer protection statutes requiring comprehensive enforcement.","date_sent_to_company":"2025-08-28T23:58:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"15568797","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-28T23:58:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX <em>XXXX</em> failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative <em>reporting</em> violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : <em>EQUIFAX</em> RESPONSE ( XX/XX/<em>XXXX</em> ) : Despite receiving indisputable judicial evidence, <em>Equifax</em> <em>responded</em> : \" Current status is being <em>reported</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.156578,"15568797"]},{"_index":"complaint-public-v1","_id":"15569020","_score":14.141586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMATIC WILLFUL FCRA VIOLATIONS- CREDIT BUREAUS IGNORED JUDICIAL DISMISSAL EVIDENCE BACKGROUND : On XX/XX/XXXX, XXXX XXXX XXXX dismissed XXXXXXXX XXXX XXXX lawsuit ( Case XXXX XXXX ) against me after the court scheduled a sanctions hearing for XXXXXXXX XXXX  failure to prosecute their case. This judicial dismissal proves the debt is legally unsubstantiated and can not be accurately reported on credit reports. \n\nFCRA DISPUTE WITH JUDICIAL EVIDENCE : On XX/XX/XXXX, I sent comprehensive FCRA disputes to both Equifax and TransUnion with complete court dismissal documentation. I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX XXXX failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative reporting violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : EQUIFAX RESPONSE ( XX/XX/XXXX ) : Despite receiving indisputable judicial evidence, Equifax responded : \" Current status is being reported correctly. '' This violates FCRA 1681i ( a ) ( 1 ) investigation requirements and 1681e ( b ) accuracy standards. \n\nTRANSUNION RESPONSE ( XX/XX/XXXX ) : TransUnion received identical judicial dismissal evidence yet responded : \" Information was verified accurate. '' This demonstrates systematic willful disregard for judicial findings. \n\nWILLFUL MISCONDUCT ANALYSIS : Court dismissals represent the highest level of legal evidence available. No reasonable investigation can verify dismissed debt as \" accurate. '' Both bureaus received identical indisputable proof yet claimed \" verified accurate, '' demonstrating willful contempt for the judicial system. \n\nSYSTEMATIC PATTERN : Both credit bureaus ignored identical judicial evidence and provided identical willful violation responses, indicating industry-wide misconduct in handling court dismissal evidence. \n\nCONSUMER HARM : Continued negative credit reporting of judicially dismissed debt damages credit scores, lending opportunities, and violates fundamental accuracy requirements. The willful nature of these violations demonstrates corporate contempt for consumer protection laws and judicial authority. \n\nREGULATORY COORDINATION : This complaint coordinates with existing CFPB complaints against XXXX XXXX  and active XXXX  Attorney General XXXX, demonstrating systematic violations across multiple federal consumer protection statutes requiring comprehensive enforcement.","date_sent_to_company":"2025-08-28T23:58:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"15569020","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T23:15:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided : - Court dismissal order proving debt legally unsubstantiated - Case timeline showing XXXXXXXX <em>XXXX</em> failure to substantiate debt in legal proceedings - Clear demand for complete account deletion based on judicial findings - Explanation that continued negative <em>reporting</em> violates FCRA accuracy requirements WILLFUL FCRA VIOLATIONS BY CREDIT BUREAUS : <em>EQUIFAX</em> RESPONSE ( XX/XX/<em>XXXX</em> ) : Despite receiving indisputable judicial evidence, <em>Equifax</em> <em>responded</em> : \" Current status is being <em>reported</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.141586,"15569020"]},{"_index":"complaint-public-v1","_id":"15196354","_score":14.064252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Follow-Up Complaint - Equifax Willful and Negligent Noncompliance Under Federal Law Re : XXXXXXXX XXXX To Whom It May Concern, This is a follow-up complaint concerning Equifaxs failure to comply with federal law, including multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as violations of consumer protection responsibilities. Despite receiving valid identity documents and a certified Method of Verification ( MOV ) request, Equifax has failed to respond in accordance with the law. \n\nAdditionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) more than 15 days ago, and Equifax has failed to respond to that complaint as well. This lack of action indicates a pattern of disregard not only for consumer rights, but also for federal regulatory obligations. \n\nThe MOV I requested should already exist in Equifaxs system, as the reinvestigation was completed. There is no legal justification for requiring multiple requests to obtain information that must be on file according to federal law. \n\nThe following legal grounds apply : 1. FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification within 15 days 2. FCRA 611 ( a ) ( 5 ) Failure to delete unverified or unverifiable information 3. FCRA 609 ( a ) ( 1 ) Failure to provide all file information to the consumer upon request 4. FCRA 623 ( b ) ( 1 ) Failure to correct or delete inaccurate or incomplete information after notification of dispute 5. FCRA 616 Civil liability for willful noncompliance with the FCRA 6. FCRA 617 Civil liability for negligent noncompliance with the FCRA 7. FCRA 602 Congressional findings and statement of purpose : consumer protections must be fair and equitable 8. FCRA 603 Definition of 'consumer report ' and 'consumer reporting agency ' Equifax is legally bound to the obligations of a CRA 9 . 15 U.S. Code 1681s2 Duties of furnishers of information to provide accurate data and cooperate with investigations 10. 15 U.S. Code 45 ( FTC Act Section 5 ) Prohibits unfair or deceptive acts or practices affecting commerce, including systemic failure to process consumer verification requests Equifaxs refusal to provide the required MOV and failure to acknowledge the existing CFPB complaint clearly reflects willful and negligent noncompliance. This conduct has directly harmed my legal rights and obstructed the ability to review and challenge the accuracy of information in my credit file.","date_sent_to_company":"2025-08-10T17:02:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11418","tags":null,"has_narrative":true,"complaint_id":"15196354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-10T16:23:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA 603 Definition of 'consumer <em>report</em> ' and 'consumer <em>reporting</em> agency ' <em>Equifax</em> is legally bound to the obligations of a CRA 9 . 15 U.S. Code 1681s2 Duties of furnishers of information to provide accurate data and cooperate with <em>investigations</em> 10. 15 U.S."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.064252,"15196354"]},{"_index":"complaint-public-v1","_id":"2819188","_score":13.868852,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding the following as well. Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem. Improper use of your report ( shared without consent, credit inquiries from unknown sources Re : No Response from Credit Bureaus regarding Unauthorized Credit Inquiry Request Escalation of l Hard Inquiry Removal.\n\nDear Consumer Financial Protection Bureau I am in receipt of NO correspondence made by XXXX XXXX, and Equifax.\n\nIn the correspondence, I advised all three Bureaus to verify the accuracy of the inquiry but yet the Inquiry is currently reporting with no response from the bureaus and no verified information from them. Additionally, on XX/XX/17 I wrote all three bureaus regarding the Fraudulent Inquiry. On XX/XX/2017 the certified mail receipt was stamp by our UPS postal service. I received confirmation of the return signature that Equifax and XXXX. \nFurthermore XXXX, Equifax, and XXXX  did not respond within the thirty days allowed by the FCRA not provided any evidence the back any of the allegations as advised on XX/XX/2017. Several laws has been broken and pointed out since then. \nFinally, XXXX didnt bother to respond to my certified mailing and all fail to respond by law. All Bureaus failed to respond or provide any physical proof that I indeed made the alleged inquiry.\n\n1.I filed the dispute of this particular Inquiry that you are reporting under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this inquiry record.\n\n2. I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. II contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting.\n\n3. You must have adequate records to substantiate the debt, if not it is UNVERIFIEABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. And you have choose not to, I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines 4. I have LEGALLY exercised my rights by disputing the validity of this Inquiry. I have in writing and attempted to confirm the accuracy of the information reported to your firm ; and during this process the acts by omission by all three bureaus prove substantially that the inquiry as reported is invalid. By ignoring my legal validation demand Equifax, XXXX, and XXXX is in direct violation of the FDCPA. Since Equifax, XXXX and XXXX has knowingly violated both federal and state law and I can document this violation, I am demanding that they CEASE all reporting activities. Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.\n\n5. I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the Bureaus, and they failed to provide any validation information required by FCRA. I have followed the letters of the law yet Equifax, XXXX, and XXXX  have ignored and refused to address my legitimate problemcan you help? \nIn conclusion it is my position that Equifax, XXXX, and XXXX claims are entirely without merit. \nSincerely.","date_sent_to_company":"2018-02-20T09:20:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"2819188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-20T03:54:16.000Z","state":"AL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I received confirmation of the return signature that <em>Equifax</em> and <em>XXXX</em>. \nFurthermore <em>XXXX</em>, <em>Equifax</em>, and <em>XXXX</em>  did not <em>respond</em> within the thirty days allowed by the FCRA not provided any evidence the back any of the allegations as advised on <em>XX/XX</em>/2017. Several laws has been broken and pointed out since then. \nFinally, <em>XXXX</em> didnt bother to <em>respond</em> to my certified mailing and all fail to <em>respond</em> by law."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.868852,"2819188"]},{"_index":"complaint-public-v1","_id":"2757066","_score":13.7505,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a \" security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the \" security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. \n\nThis time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. \n\nI have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses \" fraud alerts '' and \" security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. \n\nFrom XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about \" security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I \" had a security freeze ''. Equifax representative let it slip that a security freeze was a \" negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of \" security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. \n\nThen today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.","date_sent_to_company":"2017-12-23T00:06:49.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"982XX","tags":null,"has_narrative":true,"complaint_id":"2757066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-16T21:54:04.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally, the non-<em>existing</em> security freeze was lifted ; and then <em>XXXX</em> <em>XXXX</em> wanted a deposit on the basis that I \" had a security freeze ''. <em>Equifax</em> representative let it slip that a security freeze was a \" negative '' indicator placed by a creditor or <em>Equifax</em>. But I have no evidence and attempted, unsuccessfully, to find an government agency to <em>investigate</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.7505,"2757066"]},{"_index":"complaint-public-v1","_id":"8074592","_score":13.671214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>Equifax</em><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Equifax</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Equifax</em><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Equifax</em><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Equifax</em>- <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> - <em>Equifax</em>- <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT <em>REPORT</em> ACCURATE INFORMATION, THEY NEED TO <em>RESPOND</em> TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT <em>REPORT</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.671214,"8074592"]},{"_index":"complaint-public-v1","_id":"9589818","_score":13.517329,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : Equifax XXXX XXXX, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my Equifax and XXXX report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and XXXX states Charge off and Equifax states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. \n\n- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. \n\n\n\n**Steps Taken : ** - I have submitted disputes to Equifax XXXX XXXX XXXX and XXXX on XX/XX/XXXX. \n\n- XXXX, Equifax and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. \n\n\n\n**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. \n\n- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. \n\n- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.","date_sent_to_company":"2024-07-23T20:10:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"9589818","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-23T20:10:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Additionally, I have been subjected to higher interest rates on <em>existing</em> loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. \n\n\n\n**Steps Taken : ** - I have submitted disputes to <em>Equifax</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> on XX/XX/<em>XXXX</em>. \n\n- <em>XXXX</em>, <em>Equifax</em> and <em>XXXX</em> have not <em>responded</em> or have provided inadequate responses that have not corrected the inaccuracies."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.517329,"9589818"]},{"_index":"complaint-public-v1","_id":"13980278","_score":12.769604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX for reporting a late payment on my XXXX XXXX XXXX XXXX  account that I believe is inaccurate and a result of mishandling during a servicing transfer. \n\nI originally had the account through XXXXXXXX XXXX  and had auto-pay set up. XXXX XXXX later took over servicing the account but never notified me via mail or email of this transition. I was unaware of any change and made a purchase believing that my existing auto-pay with XXXX  was still active. \n\nI only became aware of the issue when I saw a late payment reported on my credit report. I immediately sent a certified dispute letter to XXXX XXXX, requesting documentation proving they had mailed me a billing statement or provided any notice of the account transfer. They have failed to respond. \n\nI also filed multiple disputes with the credit bureaus ( Equifax, TransUnion, and Experian ), and despite explaining the situation in detail and providing documentation, the late payment remains on my reports after months of disputing. \n\nI believe XXXX XXXX is in violation of the Truth in Lending Act ( TILA ) for failing to notify me of the servicing change and/or send required billing statements. They may also be in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report inaccurate information without proper investigation or verification. \n\nThis issue has caused significant damage to my credit and financial standing. I respectfully request that the CFPB assist in resolving this matter and that XXXX XXXX be compelled to provide proof of notification, correct the reporting error, and be held accountable for any violations of federal consumer protection laws.","date_sent_to_company":"2025-06-09T18:16:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"13980278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-09T18:16:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was unaware of any change and made a purchase believing that my <em>existing</em> auto-pay with <em>XXXX</em>  was still active. \n\nI only became aware of the issue when I saw a late payment <em>reported</em> on my credit <em>report</em>. I immediately sent a certified dispute letter to <em>XXXX</em> <em>XXXX</em>, requesting documentation proving they had mailed me a billing statement or provided any notice of the account transfer. They have failed to <em>respond</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.769604,"13980278"]},{"_index":"complaint-public-v1","_id":"3540616","_score":12.428364,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed XXXX XXXX XXXX and both XXXX  and Equifax came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothXXXX  and Equifax did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. \n\nI gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. \n\nBasis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original XXXX primary lease/account holder ). \n\nWe paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies Equifax, XXXX  and XXXX ) Date first reported XX/XX/XXXX ( Equifax, XXXX and XXXX ) is incorrect. \n\nCopies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. \n\nUnauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. \n\nScribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a \" collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely","date_sent_to_company":"2020-02-21T07:16:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78660","tags":null,"has_narrative":true,"complaint_id":"3540616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-02-21T07:16:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["For this alleged debt, no document of where that deposit was applied was ever <em>reported</em>. We never received the deposit back. This <em>reported</em> balance is incorrect ( agencies <em>Equifax</em>, <em>XXXX</em>  and <em>XXXX</em> ) Date first <em>reported</em> XX/XX/<em>XXXX</em> ( <em>Equifax</em>, <em>XXXX</em> and <em>XXXX</em> ) is incorrect."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.428364,"3540616"]},{"_index":"complaint-public-v1","_id":"10503640","_score":12.297492,"_source":{"product":"Debt collection","complaint_what_happened":"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 reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Open Sent to company XXXX XXXX XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/XXXX Open Sent to company XXXXXXXX XXXX XXXX XXXXXXXX reporting Incorrect information on your reporXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Open Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed Company responde To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU HAVE CONTINUED TO IGNORE EACH DISPUTE AND CLAIM I HAVE BEEN USING A CREDIT REPAIR COMPANY.","date_sent_to_company":"2024-10-18T15:48:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"334XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10503640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-18T15:37:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>reporting</em> Problem with a company 's <em>investigation</em> into an <em>existing</em> problem <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> Open Sent to company <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit <em>reporting</em> Problem with a company 's <em>investigation</em> into an <em>existing</em> problem <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> Open Sent to company XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>reporting</em> Incorrect information on your repor<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[12.297492,"10503640"]},{"_index":"complaint-public-v1","_id":"5631192","_score":12.251507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED and or INCORRECT information from my consumer file.\n\nI have disputed directly with Equifax on four attempts in efforts to delete the unverified items.\n\nI have attached all four certified mail receipts and the tracking numbers and dates are listed below to show proof of the mailed disputes. \n\nCertified Mail Tracking numbers 1. XXXX - Mailed XXXX 2. XXXX - Mailed XXXX 3. XXXX - Mailed XXXX 4. XXXX - Mailed XXXX After responding to each dispute Equifax have stated in Writing that they have properly Investigated and Verified the following accounts. Please inform myself and the CFPB HOW ITS POSSIBLE to say you have conducted a proper investigation when there are XXXX violations currently existing on my credit report. Additionally for proof of the violations I have attached, numbered and circled each violation on my credit report for your review. The last reported date is incorrect, THE date last active date is incorrect, the monthly payment is incorrect, the high credit amount is incorrect, THE two year payment history is incorrect and the account TYPE is incorrect.\n\nEquifax violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( a ) ( 1 ( ii ). The law clearly states if items are found INACCURATE or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. \n\nLIST OF INACCURATE ACCOUNTS BELOW XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally Equifax has 2 public records reporting on my file that are not verified. I have contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX OF GEORGIA by US Postal service and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus ) Secondly I contacted XXXX XXXX whom shows no bankruptcy on my credit report. I have attached my official responses received by each party to this CFPB complaint for proof and your review purposes. \n\nBankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX -Equifax also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : the law clearly states a consumer reporting agency can not furnish an account without my written instructions. \n\n-Equifax also violated my rights under 15 U.S.C 1681 section 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have five days to notify me from when they receive my dispute.\n\nEQUIFAX has NOT sent myself any 5 day notices informing myself that my disputes were received. \n\n-Additionally 15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\nAccording to 15 U.S.C 1681 N ( A ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of identity attached. \n\n\nViolations Total : XXXX Violations Total dollar amount : {$11000.00}","date_sent_to_company":"2022-06-03T23:45:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"5631192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-03T23:30:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>XXXX</em> - Mailed <em>XXXX</em> 2. <em>XXXX</em> - Mailed <em>XXXX</em> 3. <em>XXXX</em> - Mailed <em>XXXX</em> 4. <em>XXXX</em> - Mailed <em>XXXX</em> After <em>responding</em> to each dispute <em>Equifax</em> have stated in Writing that they have properly <em>Investigated</em> and Verified the following accounts. Please inform myself and the CFPB HOW ITS POSSIBLE to say you have conducted a proper <em>investigation</em> when there are <em>XXXX</em> violations currently <em>existing</em> on my credit <em>report</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"]},"sort":[12.251507,"5631192"]},{"_index":"complaint-public-v1","_id":"13551674","_score":12.1915045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed an alleged debt with Equifax and there was no changes of such errors. XX/XX/year>, XX/XX/year>, and XX/XX/year> and nothing has changed. Ive requested documentations and it was ignored. I keep receiving the same results, nothing has changed. 15 U.S.C. 1692g Validation of debts. Equifax stated that the alleged debt has been verified and accurate but it is not. Equifax has not completed a thoroughly authenticated investigation. Searching public records and/or online doesnt validate a thorough authenticated detailed investigation with duly, honor, integrity or good faith in the ordinary course of business. Im disputing the validity of an alleged debt that is assumed that there is a debt or that one even exists at all. Ive requested documentations like, verification of the debt or a copy of a judgment against the consumer ( me ) and a copy of such verification. Ive requested from XXXX  XXXX and Equifax and neither one of them provided no kind of Documentation of Debt Transfer to see if the alleged debt has been sold or assigned to another party, documentation demonstrating the transfer and chain of ownership is needed, details of the alleged impaired collateral ( charged off ), details of the securitization transactions of the account, documentation showing the collectors ( XXXX  XXXX ) right to purse the debt, an authentic copy of the original credit card agreement with your signature, an authenticated record of an accounting ( explicitly ), and a statement of accounting pursuant to the UCC 9-210.\n\n12 CFR 1024.36 requests for information, acknowledgement of receipt, response to the information thats being requested and investigate and respond to the claim. \n\nIf XXXX XXXX or Equifax can not produce these details explicitly, to my knowledge there is no debt. It does not exist. If there is an alleged contract out there, the agreement was breached by XXXX XXXX, due to the conversion of the agreement that is based on securities fraud. XXXX XXXX participates in credit card securitization. They converted the agreement without notifying me of such deceptive acts into a ABS bond backed by financial assets, such as the credit card loan agreement that they are claiming that theres a debt. The bond was then sold to XXXX XXXX XXXX XXXX. The trust then creates and sells certificates backed by the credit card receivables to investors and these receivables comes from customers like me, when we make payments back to XXXX XXXX. So, if we are paying XXXX XXXX debts securities and others, whos paying the consumer debts? No where in the agreement does it says that consumers knowingly give up their rights to XXXX XXXX to have their agreements converted into an ABS, bond to be pooled with others credit card loans, sells it which then issues those marketable securities to investors that is backed by the payments of the cardholders. Dont you think if cardholders actually knew what was going on that they would agree to this? I sure dont. So, who really owns these loans if XXXX XXXX sells them to a trust? \nFrom my research, XXXX XXXX they transfer the ownership of these loan agreements to a special purpose vehicle ( SPV ) pursuant to their prospectus. \nThrough the securitization process, it allows XXXX XXXX to leverage off potential customers by using their existing customers receivables in paying off their debt obligations allowing them to free up more capital and mitigate risk so that they could make more loans. This here is a deceptive approach because they never recorded the borrower loan on their double entry bookkeeping as a liability only assets are recorded. This is a breach of the agreement and false misrepresentation and fraud. \nWhat is the nature of the transaction when it comes to the account thats in questioning? Equifax has to bring evidence and proof that a debt exists. XXXX XXXX never validated anything to me. I believe this debt doesnt exist. If it doesnt exist, Equifax has to permanently delete this error off my report immediately!","date_sent_to_company":"2025-05-16T04:19:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"13551674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T04:08:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has to bring evidence and proof that a debt exists. <em>XXXX</em> <em>XXXX</em> never validated anything to me. I believe this debt doesnt exist. If it doesnt exist, <em>Equifax</em> has to permanently delete this error off my <em>report</em> immediately!"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[12.1915045,"13551674"]},{"_index":"complaint-public-v1","_id":"10972995","_score":11.248108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXX  XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\nXXXX XXXX XXXX XXXX XXXXXXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor Equifax, I noticed XXXX Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report. \nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ). \nA copy of the FTC Identity Theft Report. \nA copy of the Identity Theft letter. \n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10972995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-29T04:27:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a victim of identity theft, I would like to submit additional supporting documentation to the <em>XXXX</em> credit bureaus for an <em>existing</em> credit card fraud dispute and to <em>respond</em> to statements made by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in a previous <em>investigation</em>. \n\nThe information listed below, which appears on my credit <em>report</em>, does not relate to any transaction ( s ) I have made."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.248108,"10972995"]},{"_index":"complaint-public-v1","_id":"6110195","_score":11.090307,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.\n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT BACKGROUND : I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner. \n\n\nXXXX, XXXX the XXXX, has 30 days to conduct an investigation from the date a dispute was filed by the consumer. As stated in the background, they were given thirty ( 30 ) days to comply with the XXXX law, which gives them time to gather their findings and report the facts of their investigation and take measures to fix any errors found by making amendments ( remove, change information, or information was verified and kept on the credit file. \n\nCFPB STATUS UPDATES : The CFPB reached out to XXXX to 1 ) inform them of the complaint, 2 ) Advised them of the of the 30 day XXXX XXXX to complete a dispute and punish its result to the consumer. XXXX responded on XX/XX/2022 stating they will have a final result for me within 60 days if the \" complaint ' being filed. This must be a clause that gives them an extension from the original 30 days, IF a CFPB complain it filed, which if it is written in such manner then we will continue through the process. \n\nXXXX responded and XXXX wrote an explanation that the company is still working on the complaint then added a status update underneath the above status update stating the company has within 60 days to provide a final response. [ INITIAL RESPONSE SENT TO COMPANY XX/XX/2022 ] MAIN COMPLAINT : THE CFPB was established to govern the credit bureau. The FCRA, established law is to be used any the CFPB for oversight of the Credit Bureaus and making sure they are staying in compliance with consumer disputes, properly investigating disputes for accuracy, inaccuracies, made by either the creditor in their reporting or the credit agency in populating the prior data on the consumer reports, which if not done right can potentially ruin someones life by the was of their \" credit worthiness ' if not accurate. \n\nIn conclusion, XXXX and Equifax has violated the FCRA, which is low that was made by XXXX to protect the consumer. This issue in front of us : XXXX ) COMPLIANT NO. XXXX and this supplemental should more than explain how XXXX has XXXX the law the is meant to protect us from erroneous, inaccurate, unduly information on our credit files, which will surely hurt us in home purchasing, vehicle purchasing, stating a business, etc. SHOWCASING a false or inaccurate representation of the individual personal, including myself, a Minority/Woman Owned Small Business. THE UNVERIFIABLE INFORMATION THAT HAS TAKEN LONER THAN 90 DAYS + WHICH INCLUDE MY INITIAL DISPUTE TO THE COMPANY30 DAYS, THE 30 DAYS FOR THEM TO RETURN RESULTS TO THE CFPB COMPLAINT, WHICH AN ADDITIONAL 30 DAYS WAS GIVEN IS CLEAR VIOLATION ( S ) OF WHAT THE FCRA WAS MEANT TO PROTECT AND WHAT THE CFPB WAS TASKED TO PROVIDE OVERSIGHT.,","date_sent_to_company":"2022-10-20T21:02:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6110195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-20T21:02:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Print complaint OPEN - <em>XXXX</em> Submitted STATUS Submitted to the CFPB on <em>XX/XX</em>/2022 PRODUCT Credit <em>reporting</em>, credit repair services, or other personal consumer <em>reports</em> ISSUE Problem with a credit <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> problem We received your complaint. Thank you.\n\nWe will review your complaint."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.090307,"6110195"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":108,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":108}]}},"product":{"doc_count":108,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":72,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":71},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":30}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":3},{"key":"I do not know","doc_count":2}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":108,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":35,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":20},{"key":"Account status incorrect","doc_count":9},{"key":"Account information incorrect","doc_count":4},{"key":"Information is missing that should be on the report","doc_count":1},{"key":"Public record information inaccurate","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":22},{"key":"Investigation took more than 30 days","doc_count":5},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Improper use of your report","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":9},{"key":"Credit inquiries on your report that you don't recognize","doc_count":5}]}},{"key":"Problem with a credit 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