Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Multiple FCRA, Regulation F, and Accuracy Violations by XXXX XXXXy, TransUnion, Experian, and Equifax To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding the account reported by XXXX XXXX XXXX, as the information being furnished to TransUnion, Experian, and Equifax contains multiple factual errors, contradictions, impossible dates, and unverifiable entries that violate federal law. 

Below, I list the specific violations and inaccurate data EXACTLY as they appear on each credit bureau : 1. Impossible Date of First Delinquency Clear FCRA 1681e ( b ) Violation Equifax reports a Date of First Delinquency of XX/XX/XXXX, even though the account was opened on XX/XX/XXXX. 

A DOFD can not legally occur before the account exists. 

This is an objectively impossible and unlawful entry, proving the data is inaccurate and unverifiable. 

2. Contradictory Account Status Across Bureaus Violates FCRA Accuracy Requirements TransUnion reports the account as Active Collection / Open Account Experian reports it as Collection Account Equifax reports it as Closed A single account can not be open, collection, and closed simultaneously. 
This discrepancy violates FCRA 1681e ( b ) failure to assure maximum possible accuracy.

3. TransUnion Admits a Failed Reinvestigation Violates FCRA 1681i TransUnion lists the remark : Completed investigation of FCRA dispute consumer disagreed. 

This phrase does NOT mean a reinvestigation was legally conducted. 
There is no evidence of documentation, validation, or itemized verification from the furnisher. 

This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation with actual documentation, not mere furnisher confirmation.

4. Equifax Reports the Account as Closed While Also Showing an Active Past-Due Balance Equifax lists XXXX Account Status : Closed Amount Past Due : {$1200.00} Collection Account A closed account can not carry an active past-due balance nor be simultaneously categorized as a collection account. 

This is contradictory, inaccurate, and misleading. 

5. Date Reporting and Update Inconsistencies Violates FCRA 1681e ( b ) TransUnion : Date Updated XX/XX/XXXX Experian : Status updated XX/XX/XXXX ( over 1 year outdated ) Equifax : Date Reported XX/XX/XXXX Experian is reporting stale, outdated, and incomplete information, which violates FCRA accuracy obligations. 

6. Missing Required Fields and Incomplete Data Violates Regulation F and FCRA Examples include : Experian missing last payment date Equifax missing Actual Payment Amount TransUnion reporting Original Creditor XXXX  while others do not Experian reporting Terms : 1 Month without contractual details Equifax reporting Consumer Disputes After Resolution, which is incomplete and misleading Incomplete data = unverifiable data, a direct violation of 1681e ( b ). 

7. Different Account Types and Creditor Classifications TransUnion : Factoring Company Account Experian : Debt Buyer Equifax : Other Loan Type / Debt Buyer The same account can not have three different classifications, proving inconsistent data integrity across bureaus. 

LEGAL BASIS FOR THIS COMPLAINT These reporting errors violate : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i failure to conduct a lawful reinvestigation Regulation F 1006.30 furnishing inaccurate or incomplete data Florida Statute 559.72 unlawful consumer reporting practices Because the bureaus and the furnisher can not present accurate, complete, and consistent documentation, the information is unverifiable, requiring correction or deletion. 

REQUEST FOR ACTION I request that CFPB require the bureaus and Portfolio Recovery to : Provide full documentary verification ( signed contract, itemized accounting, and DOFD proof ), or Delete this account from all consumer reports due to its inaccurate, inconsistent, and impossible reporting. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation