Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint against the credit reporting agencies Equifax, Experian, and TransUnion, as well as the data furnishers XXXX XXXX, XXXX, and XXXX, for continued violations of the Fair Credit Reporting Act ( FCRA ), Regulation V, and the Fair Credit Billing Act ( FCBA ).

Despite multiple prior disputes, these entities continue to report inaccurate, inconsistent, and unverified information on my consumer credit reports. The inaccurate reporting has caused ongoing harm to my creditworthiness, resulting in adverse credit decisions, higher interest rates, and financial distress. 

FAILURE TO CONDUCT A REASONABLE REINVESTIGATION I previously disputed specific inaccuracies on the accounts listed below. However, the same erroneous data remains on my credit reports, demonstrating that the credit reporting agencies and furnishers failed to conduct a reasonable reinvestigation, as required by 15 U.S.C. 1681i.

Additionally, the continued reporting of contradictory data violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. 

ACCOUNT-SPECIFIC VIOLATIONS XXXX. XXXX XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX  ) This installment auto loan is reported as open with a balance of approximately {$36000.00} and a monthly payment of {$810.00}. The account is being reported with multiple XXXX and XXXX late payments. 

However : The payment history grids show multiple OK months that do not align with the reported delinquency status. 

Past-due amounts, delinquency codes, and late payment counts differ across Equifax, Experian, and TransUnion. 

Key Metro 2 fields ( Account Status, Payment Rating, Past Due Amount, Date of Last Activity, Date of Last Payment ) do not match, which is a direct violation of Metro 2 reporting standards. 

If the late payments were accurate, the furnisher must be able to identify : The exact billing cycle for each alleged late payment The precise amount past due at that time The contractual due date The actual date payment was received That level of verification has not been provided. I am requesting correction, not deletion. All inaccurate late payment remarks and delinquency indicators must be removed so the tradeline reflects accurate, compliant reporting. 

XXXX. XXXX Credit Card ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX  ) This revolving credit card account is reported as closed, yet it continues to display XXXX, XXXX, XXXX, XXXX, and even XXXX delinquency codes. 

These late payment indicators : Conflict with the payment history grids, which largely show OK months Conflict with remarks stating the account was previously in dispute now resolved Conflict with the accounts closed status An account can not reasonably be reported as closed with disputes resolved while still escalating delinquency codes unless each late payment is fully documented. The continued reporting of this contradictory data violates FCRA 1681e ( b ), 1681i, Regulation V, and Metro 2 consistency requirements.

I am requesting correction only. All late payment remarks, delinquency codes, and past-due indicators must be removed so the tradeline reflects a closed account with no derogatory payment history. 

XXXX. XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX  ) This account reflects a {$0.00} balance and is reported as paid and closed. Despite this, the tradeline continues to display late payment indicators that directly contradict : The XXXX balance The paid/closed status The payment history grid, which shows consistent OK reporting A paid, closed account with no past-due balance can not lawfully report late payments without clear, documented proof. The continued reporting of contradictory information after prior disputes demonstrates a failure to conduct a reasonable reinvestigation and violates FCRA 1681e ( b ), 1681i, and Metro 2 standards. 

I am requesting that all late payment remarks be removed and the account be updated to Paid as Agreed. 

ADDITIONAL LEGAL CONCERNS The furnishers failed to properly reflect payments and account activity, constituting billing errors under 15 U.S.C. 1666 ( b ).

Inconsistent reporting across bureaus indicates a lack of internal controls and compliance.

Continued reporting of disputed, unverifiable information may constitute willful noncompliance, exposing the parties to liability under 15 U.S.C. 1681n.

REQUESTED RESOLUTION I am requesting that the CFPB require the credit reporting agencies and furnishers to : Conduct a lawful, documented reinvestigation Remove or correct all inaccurate late payment remarks and delinquency indicators Ensure all reporting complies fully with FCRA, Regulation V, FCBA, and Metro 2 standards Provide written confirmation of the corrections made If these violations are not corrected promptly, I reserve the right to pursue additional remedies through the State Attorney General, FTC, and civil litigation.

Company response to consumer: Closed with explanation