Consumer complaint received 2025-11-04 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: WA

Complaint narrative:
I am writing to dispute multiple inaccurate and inconsistent negative entries on my Equifax credit file. These items violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards, and they remain uncorrected despite my repeated disputes over the past XXXX years. I demand immediate deletion of each disputed account from my Equifax report, as detailed below. ( If an account is not reported by XXXX XXXX XXXX, I note that as evidence of potential error or unverified status. ) XXXX XXXX XXXX Account XXXX XXXXXXXX ( Opened XX/XX/XXXX, XXXX ) : Equifax reports this charge-off with a balance of {$5400.00}. XXXX has no record of this account at all. The absence on XXXX suggests the data was unverified or removed there, yet Equifax continues to report it. This account also shows discrepant last activity dates between bureaus ( Equifax lists XX/XX/XXXX vs. XXXX  XX/XX/XXXX ), further indicating data integrity issues. Under FCRA 611, any information that can not be verified or is inaccurate must be deleted after reinvestigation. The inconsistent dates and the fact that another bureau deleted/never reported this item means Equifax is reporting unverifiable information. This violates FCRA and XXXX XXXX accuracy duties, and I insist Equifax delete this account immediately. 


XXXX XXXX XXXX Account XXXX XXXXXXXX ( Opened XX/XX/XXXX, Auto Loan, Closed XX/XX/XXXX ) : Equifax reports a balance around {$9600.00} while XXXX shows {$19000.00} for what appears to be the same account. This massive discrepancy ( {$9600.00} vs {$19000.00} ) is outrageous and clearly inaccurate. It suggests Equifax/XXXX reflect the actual remaining balance ( XXXX XXXX XXXX ) whereas XXXX  erroneously listed XXXX inflated amount ( possibly the original loan XXXX XXXX XXXXXXXX ). Such a mistake may stem from Metro 2 coding errors or failure to update the account after payments a misreported balance error under Metro 2 compliance. Additionally, Equifax marks the account as Bad debt/collection while XXXX shows Charge Off and TransUnion did None Reported for worst delinquency. This patchwork of information is internally inconsistent and misleading, violating FCRAs accuracy mandate. Since my numerous disputes have not resolved this blatant error, I demand Equifax delete the account in full. Leaving such contradictory data on file is a willful FCRA violation subject to legal action. 


XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX These additional XXXX XXXX tradelines have been previously disputed for inaccuracies. They contain erroneous or unverified data ( e.g., inconsistent reporting of payment history and statuses across bureaus, and prolonged in dispute remarks with no resolution ). Equifax must review its data for each of these accounts. Given the pattern of errors with XXXX XXXX entries, I insist that any incomplete or unverifiable information be removed. The FCRA and Metro 2 require all fields ( dates, balances, comments, etc. ) to be accurate ; Equifax may not retain information that fails these standardsasapcreditrepairusa.com. If Equifax can not promptly prove these accounts accuracy, they must be deleted. 


XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Opened XXXX ) : Equifax shows this student loan with a balance of {$19000.00} and categorizes it as a Bad debt/collection account. Notably, XXXX  no longer reports this debt at all, and XXXX  did not flag it as a derogatory ( showing None Reported despite the default ). The omission on XXXX suggests the item was removed after a dispute ( or never verified ), while Equifax still reports it as a defaulted collection. If the debt were legitimate and verified, all XXXX  bureaus should report it consistently. The fact that XXXX  has deleted/omitted it indicates a failure to verify or a potential error that Equifax is perpetuating. Under FCRA 611 and 623, information that can not be verified must be deleted from a consumers file. I have contested this account multiple times ( as reflected by the comment XXXX disputes this account on my file ), yet Equifax has not removed it. This is unacceptable. I demand Equifax delete the XXXX XXXX XXXXXXXX tradeline immediately for non-compliance with FCRA accuracy and reinvestigation requirements. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) : Equifax and XXXX  report this credit card with an outstanding balance of XXXX  {$420.00} and status showing it was charged off ( reflected by high credit utilization XXXX % ). However, XXXX  shows a {$0.00} balance on this same account, and the account was marked as disputed/resolved on XXXX. The balance discrepancy ( {$420.00} vs {$0.00} ) and differing status across bureaus mean at least XXXX bureau has obsolete or incorrect data. It appears I paid or settled this account, since XXXX updated it to {$0.00}, yet Equifax failed to update its records a violation of FCRA 623 ( a ) ( 2 ), which obligates furnishers to promptly update and correct inaccurate info. Reporting a balance due when none exists is patently false and damaging. Additionally, this account had a history of delinquencies that were disputed ( Consumer disputes reinvestigation in progress ), which should have prompted Equifax to either verify or remove the information. Equifaxs continued reporting of an incorrect balance and status is a willful failure to ensure accuracy. I insist that Equifax delete this tradeline entirely, as the information is not being reported in compliance with XXXX XXXX ( balanced update across all CRAs ) and FCRA accuracy standards. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed, {$200.00} limit ) : Equifaxs record for this card is inconsistent with other bureaus. TransUnion indicates the account reached XXXX  days past due, and XXXX XXXX XXXX  days past due ( XXXX  times ), while Equifax reports None for worst delinquency. Equifax also shows it updated through XX/XX/XXXX, whereas XXXX stopped updating in XX/XX/XXXX. These disparities whether in late payment history or update status render the Equifax entry incomplete and misleading ( either Equifax failed to record serious delinquencies, or the others are over-reporting ; either scenario is an inaccuracy in the combined credit profile ). XXXX XXXX standards require uniform reporting of payment status ; a XXXX late should not appear on XXXX bureau while showing as never late on another. This calls into question the data integrity on XXXX side. Given that I have disputed the accuracy of this account before ( note : Consumer disputes reinvestigation in progress flag was seen ), Equifax is on notice that its reporting may be faulty. If Equifax can not substantiate the complete payment history and correct any disparities, this account must be deleted. I will not tolerate a mixed message profile that drags my credit score down due to Equifaxs lack of proper procedures ( a direct FCRA 1681e ( b ) violation of not assuring maximum possible accuracy ). 


XXXX XXXX XXXX Collection Account ( Originating from XXXX XXXX XXXX ) : Equifax reports a collection by XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) with an original and current balance of {$1100.00}, assigned XX/XX/XXXX. This debt purportedly stems from XXXX XXXX XXXX XXXX. XXXX has no record of this collection, indicating XXXX either did not report to them or XXXX deleted it upon dispute. I have challenged this debts validity. If XXXX can not validate and report it to all bureaus consistently, it must not appear on Equifax either. Reporting only to some bureaus is a tactic that results in inconsistent and unfair credit harm. Moreover, the Equifax entry lacks any disputed by consumer notation, despite my prior disputes a violation of FCRA 623 ( a ) ( XXXX ) which requires furnishers to mark accounts as disputed when applicable. The incomplete reporting ( missing on XXXX ) and failure to note my dispute means this collection is not being reported in compliance. I demand Equifax delete the XXXX collection. Keeping an unverified collection on file after multiple disputes is willful non-compliance with FCRA XXXX and XXXX XXXX accuracy obligations. 


XXXX XXXX XXXX XXXX XXXX XXXX Equifax shows a collection related to XXXX XXXX XXXX with an original balance around {$12000.00} ( current balance same ) assigned in XXXX. This debt is absent on XXXX XXXX XXXX similarly shows no record again highlighting inconsistent reporting. XXXX file even notes XXXX disputes this account information, yet the item remains. This is a sizeable alleged debt ( likely tuition or related ), and the lack of reporting on other bureaus suggests it XXXX have been removed for lack of verification or never properly furnished except to Equifax and XXXX. The fact that its marked as Account information disputed by consumer means Equifax was obliged to reinvestigate. If XXXX furnishing source ( perhaps a collection agency or the university itself ) did not verify every detail within 30 days, FCRA 611 dictates that the item shall be deleted from my report. Continuing to report this disputed collection especially when my XXXX report is clear of it is a blatant violation of my rights. I insist on immediate deletion of the XXXX XXXXXXXX XXXXy collection from Equifax for failure to meet the FCRAs completeness and verification requirements. 


XXXX XXXX XXXX Account XXXX XXXX ) : Equifax does not show this account, but I note it here because XXXX  reports XXXX charged-off XXXX  account ( closed XX/XX/XXXX ) that neither Equifax nor XXXX list XXXX If Equifax ever received this data, it should have been removed by now due to obsolescence of updates ( no activity in XXXX years ) or lack of verification. To the extent any XXXX-related derogatory entry might appear in Equifax records XXXX now or in the future ), consider this a dispute of its accuracy. No verified debt with XXXX should exist on my Equifax file, and I will challenge any such entry as needed. ( Included for completeness, as similar patterns of inconsistent reporting are evident and unacceptable. ) Legal Violations Noticed : The above items demonstrate multiple breaches of federal law and industry standards by Equifax and the data furnishers : Equifax has failed to assure maximum possible accuracy in my credit report, per 15 USC 1681e ( b ). The presence of conflicting balances, dates, and statuses compared to other bureaus shows Equifaxs procedures are unreasonable or ineffectively implemented.

Equifax ( and its furnishers ) have not corrected or deleted information after notice of dispute, as required by 15 USC 1681i. Under FCRA, once I dispute an item, the CRA must reinvestigate within 30 days and remove any information that can not be verified or is inaccurate/incomplete. I have letters and records of disputes dating back years on these accounts. The continued reporting of unverified data is a willful violation of FCRA 611.

Metro 2 Compliance Errors : Many of these inaccuracies likely stem from Metro 2 coding failures e.g. misreported balances, wrong status codes, and missing fields. Violations of Metro 2 format result in reportable inaccuracies under FCRA. Equifax is reporting data that creditors have furnished incorrectly or inconsistently. By FCRA 623, furnishers must report accurate information and update/correct errors yet Equifax is disseminating their faulty data, making Equifax complicit in these FCRA breaches.

Company response to consumer: Closed with explanation