One Letter, Three Credit Bureaus: The Complaint Addressed to Equifax and Filed Against All Three
Not a shared template, but one person using one text. The difference is why Kibbo measures them separately.
The Text
The text is long and written in legal language. It accuses Equifax of re-reporting a deleted collection account and cites several federal laws, including the Fair Credit Reporting Act. It is addressed to Equifax throughout, and refers to Equifax by name in its accusations.
Where It Appeared
Kibbo found three narratives with identical text, all received on 19 October 2025 from a single location. They were filed against three companies: Equifax, TransUnion and Experian. In the two filed against TransUnion and Experian, the text still names Equifax.
Because all three come from one location on the same day, Kibbo classifies the group as a same-filer repeat, most likely one person filing the same text against several companies, rather than a template shared by different people.
The example complaint, ID 16679698, is the one filed against TransUnion. It carries the CFPB's servicemember tag, and the product is "Credit reporting or other personal consumer reports" with the issue "Incorrect information on your report".
What the Companies Said
For the example complaint, TransUnion closed it "with explanation" and chose not to give a public response. We did not review the responses of the other two companies, so this page makes no claim about them. Company responses are self-reported and not verified by the CFPB.
How to Read It
Filing against all three bureaus can be reasonable: the same item can appear in each file. But a text that accuses one company by name and is sent to the other two gives those companies a complaint about someone else's conduct. The data cannot show what that cost the filer.
This is why Kibbo separates two things that look the same: one text filed by many people (a shared template) and one text filed many times by one person. Counting them together would overstate how many people are using templates. Of all narratives from 2015 to 2026, 36.1% were shared templates, and 21.4% were same-filer repeats.
What You Can Learn From This
- Write a separate complaint for each company, naming that company and the exact account in its file.
- Do not copy a legal argument you cannot support with a fact: say what happened, when, and what you want.
- If an item appears in several credit files, say so in each complaint, but address each company's own role.
Documents & Evidence
Primary source: the CFPB Consumer Complaint Database and the CFPB Narratives Archive; analysis in the Kibbo CFPB Complaint Vault Dataset.
Authority: Consumer Financial Protection Bureau (CFPB)
Jurisdiction: United States
Investigation: The Copy-Paste Complaint: How Templates Took Over America's Financial Complaint Database →
Dataset: The CFPB Complaint Vault Dataset (Zenodo, DOI) →
A CFPB complaint is the consumer's account, not a finding of fact. Company responses are self-reported and are not verified by the CFPB.