Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint to report the inaccurate and inconsistent information being reported by Equifax concerning my credit report, specifically regarding the XXXX account ( Account Number : XXXX ) and other accounts. Despite my efforts to resolve these inaccuracies directly with Equifax, their failure to provide proper validation and maintain accurate reporting has led me to escalate this matter. 

1. Inaccurate Reporting of XXXX Account The XXXX/XXXX  account, which appears on my Equifax report, contains the following discrepancies that I have been disputing : Late Payment Reporting ( XXXX ) : The account inaccurately reflects late payments that can not be validated. As per 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Inconsistent Dates ( XXXX, XXXX, XXXX ) : The dates for account opening, last active, and last payment are inconsistent across Equifax, XXXX, and XXXX . These discrepancies undermine the reliability of the reported information. 

Violation of Metro 2 Compliance : Equifaxs reporting of this account does not comply with the Metro 2 standard, which requires that all data be uniform and accurate. I have yet to receive any documentation supporting the validation of this account. 

2. Equifaxs Failure to Follow FCRA Mandates Equifax is in direct violation of several provisions of the FCRA, including : 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : This section requires furnishers to report accurate and complete information. The discrepancies in the XXXX account and other accounts indicate a failure to comply with this duty. 

15 USC 1681e ( b ) : Equifax is required to maintain procedures to ensure maximum possible accuracy of the consumer report. However, the data on my report reflects a failure to meet this standard, as shown by the inconsistencies across different credit bureaus. 

15 USC 1681i : As I have disputed this accounts accuracy, Equifax is legally obligated to conduct a thorough investigation. However, they have failed to provide proper validation, and I am requesting the immediate removal of this inaccurate information from my credit report. 

3. Specific Accounts in Violation : XXXX - Secured Loan ( Account # XXXX ) : Inconsistent reporting of late payments and account opening dates. 

XXXX ( Account # XXXX ) : Incorrectly reported as an " Open '' collection account, with inaccurate payment status and opening date. 

XXXX ( Account # XXXX ) : Date of last activity and account status are reported inconsistently across bureaus, with misleading payment status and other errors. 

XXXX XXXX XXXX ( Account # XXXX ) : Misreporting of account opening date ( future date ) and discrepancies in last reported activity dates. 

XXXX ( Account # XXXX ) : Inconsistent reporting of account opening date and last activity across Equifax, XXXX, and XXXX.