Consumer complaint received 2025-11-08 00:00:00
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.
State: TX

Complaint narrative:
I am filing this complaint because my credit score has dropped significantly and unfairly, and neither the credit bureaus nor the lenders involvedXXXX XXXX and XXXX XXXXhave provided any valid explanation. I am asking the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into the matter and ensure that my credit reports are corrected to accurately reflect my true payment history and creditworthiness. 
Between XX/XX/year> and XX/XX/year>, my XXXX XXXX fell from approximately XXXX to XXXX, a decline of nearly XXXX points. The drop has appeared across all three major credit bureaus : XXXX, Equifax, and Experian. I monitor my credit regularly and immediately noticed the changes. I reached out to each bureau to inquire about the cause of these score decreases, but none could provide a clear or specific explanation. Each bureau informed me that the information was reported by my lendersspecifically XXXX XXXX and XXXX XXXXbut when I reviewed my accounts, I found no missed or late payments, no new delinquencies, and no over-limit balances that would justify such a drop. 
My XXXX XXXX and XXXX XXXX accounts have always been in good standing. I pay my credit cards on time every month and have never missed or made a late payment. The same applies to my car loan and all other credit obligations. I take pride in maintaining excellent credit and responsible financial habits, which makes this situation extremely distressing and damaging to my reputation and financial stability. 
When I contacted the credit bureaus, I was told that the lenders are responsible for the information they report. When I reached out to XXXX XXXX and XXXX XXXX, both companies claimed they did not see any late payments or derogatory activity on my accounts. Despite this, the negative reporting continues to affect my credit score. This inconsistency between what the lenders say and what appears on my credit reports is unacceptable and indicates that something is clearly wrong either in the reporting process or the data being transmitted between the lenders and the credit bureaus. 
I am requesting that the CFPB investigate this issue thoroughly. Specifically, I would like the CFPB to : 1 Determine why XXXX XXXX and XXXX XXXX are reporting information that is causing harm to my credit score when I have a perfect payment record.

2 Require all three credit XXXX, Equifax, and Experianto provide a full and detailed explanation of the exact reasons behind the point deductions, including which accounts, dates, or data points caused the score changes.

3 Ensure that any inaccurate or erroneous information is removed from my credit reports immediately and that my scores are restored to their correct level.

4 Hold the responsible institutions accountable for failing to provide transparent, accurate, and timely reporting.

This ongoing issue has caused me significant emotional stress and financial concern. My credit score affects my ability to qualify for loans, refinance, or access credit at fair interest rates. I have worked hard to maintain excellent credit, and it is deeply unfair that my efforts are being undermined by errors or mishandling of data beyond my control. 
I respectfully request that the CFPB open an investigation into XXXX XXXX, XXXX XXXX, and the three credit bureaus to identify the source of this inaccurate reporting and take corrective action as soon as possible. I am prepared to provide documentation of my on-time payment history, correspondence with the credit bureaus, and screenshots of my credit score changes if needed.

Thank you for your attention to this serious matter. I look forward to a prompt response and resolution. 




I am filing a complaint regarding unexplained and unfair XXXX score decreases reported by XXXX XXXX and XXXX XXXX across XXXX, Equifax, and Experian. Since XX/XX/year>, my credit score has dropped from XXXX to XXXX, even though all my payments on credit cards and my car loan have always been made on time. I have never missed or been late on any payments. I contacted all three credit bureaus, but none could explain the reason for these negative changes. They stated the information was reported by the lenders, but I am not responsible for any delinquency or error. I request that the CFPB open an investigation into why XXXX XXXX and XXXX XXXX are reporting inaccurate or harmful information, and why the credit bureaus can not provide an explanation. This issue is severely affecting my credit and financial reputation despite my perfect payment history.

Company response to consumer: Closed with non-monetary relief