Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
A proper reinvestigation was not done by all the credit bureau I am filing this complaint against the three major credit reporting agenciesEquifax, XXXX  and XXXX failing to conduct a proper and reasonable reinvestigation into a late payment inaccurately reported on my credit file by XXXX XXXX XXXX XXXX  for the month of XX/XX/year>, Account Number ending in XXXX. 

Upon review of my credit reports : Equifax is reporting the account as 60 days late, XXXX is reporting the same account as 30 days late, and XXXX  is also reporting it as 30 days late by {$98.00}. 

This reporting is inconsistent, inaccurate, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards : Legal Violations : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy Credit bureaus are required to conduct a reasonable reinvestigation when a dispute is submitted. The clearly conflicting data reported by the three CRAs demonstrates that no proper reinvestigation was conducted, as a reasonable investigation would have identified the inconsistency and sought correction from the furnisher.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Maximum possible accuracy The credit bureaus have an obligation to ensure the information they repor
t is accurate. Reporting three different versions of the same payment status for the same month on the same account is a direct violation of this provision. 

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) Duties of furnishers of information XXXX XXXX , as the furnisher, is required to report complete and accurate information. The inconsistent data across the three CRAs indicates that either XXXX XXXX or the CRAs failed to follow proper Metro 2 compliance for accurate credit data furnishing. 

Metro 2 Reporting Standards Under Metro 2 guidelines, the Payment Rating and Account Status must align consistently across reporting agencies. A single tradeline can not have simultaneously conflicting delinquency statuses ( e.g., 30, 60, and partial dollar delinquency ) for the same reporting period. This violates the industry-standard data furnishing format all CRAs and furnishers must adhere to. 

Requested Relief : I am demanding the following actions be taken immediately : A complete and reasonable reinvestigation of the XX/XX/year> payment status for XXXX XXXX XXXX XXXX, Account # XXXX. 

Direct communication with the furnisher ( XXXX XXXX ) to obtain verified and consistent payment status data. 

Correction or deletion of the inaccurate late payment data across all three bureaus to reflect a consistent and accurate report.

Written confirmation of the reinvestigation outcome in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within the required time frame.

The current reporting is unjustly harming my creditworthiness and must be resolved. Please escalate this matter to a compliance supervisor if necessary. I am fully prepared to take further legal action, including filing complaints with the FTC and State Attorney General, if this dispute is not resolved in full accordance with FCRA and Metro 2 standards.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation