Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inconsistent Credit Reporting and Inadequate Investigations by Equifax, XXXX, and XXXX To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding inaccuracies in my credit report and the failure of Equifax, XXXX, and XXXX to properly investigate my dispute. My XXXX Bank Delaware account is being reported inconsistently across the three credit bureaus, which indicates errors or a failure to maintain accuracy and consistent records. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ). 

The payment history for this account differs significantly among the three credit bureaus. Despite my dispute, Equifax, XXXXmerely updated the account without making any substantive corrections or addressing the discrepancies. This lack of action raises concerns about how these credit reporting agencies conduct investigations and whether they comply with the FCRAs requirements for accuracy, fairness, and thorough dispute resolution. I disputed multiple times but XXXX, Equifax did not properly solve the issue. 



Payment history XX/XX/XXXX : XXXX reporting 30 days past due, Equifax reporting 30 days past due, XXXX reporting Current Payment history XX/XX/XXXX : XXXX reporting 60 days past due, Equifax reporting 60 days past due, XXXX reporting 30 days past due Payment history XX/XX/XXXX : XXXX reporting 90 days past due, Equifax reporting 90 days past due, XXXX reporting 60 days past due Payment history XX/XX/XXXX : XXXX reporting 120 days past due, Equifax reporting 120 days past due, XXXX reporting 90 days past due Payment history XX/XX/XXXX : XXXX reporting 150 days past due, Equifax reporting 150 days past due, XXXX reporting 120 days past due Payment history XX/XX/XXXX : XXXX reporting 180 days past due, Equifax reporting 180 days past due, XXXX reporting 120 days past due Payment history XX/XX/XXXX : XXXX reporting 180 days past due, Equifax reporting Charged-off, XXXX reporting 120 days past due Despite my efforts to dispute this issue, XXXX, Equifax responded XXXX stating that the information was verified as accurate and merely updated the account without making any substantive corrections. This response failed to address the discrepancies and leaves me questioning how XXXX conducted its investigation. 

I have attached copies of my credit reports from the three bureaus to illustrate the inconsistencies. Instead of addressing these errors, the credit bureaus failed to verify or correct the discrepancies. If they are unable to verify the accuracy of the information, they are required to delete the account from my credit reports under the FCRA.

I am requesting the CFPB to : 1. Investigate how Equifax, XXXX conducted their investigations into my dispute. 

XXXX. Ensure that the inaccurate XXXXXXXX XXXX XXXX  account is removed from my credit reports if its accuracy can not be substantiated. 

XXXX. Take appropriate measures to ensure that these credit bureaus comply with the FCRAs standards for accuracy and proper dispute resolution. 



The failure to resolve this matter has caused unnecessary frustration and potential harm to my credit standing. I urge the CFPB to hold these credit bureaus accountable and ensure they take appropriate action to address inaccuracies and prevent further harm to consumers. 



Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 



Sincerely, Attachments : Copies of credit reports from XXXX, Equifax, and XXXX showing discrepancies.