Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint because all three credit bureausEquifax, Experian, and TransUnionhave continued to publish and circulate inaccurate, unverifiable, and contradictory information about my accounts, even after I submitted detailed disputes supported by legal documentation.

I have exercised every right afforded to me under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA 15 U.S.C. 1666 ( b ) ), yet each bureau has failed to conduct a lawful reinvestigation. My disputes included copies of identification, detailed account-level evidence, and supporting records showing that my personal data was compromised in both the Equifax Data Breach and the XXXX XXXX XXXX XXXX  , which further increases the likelihood of identity and mixed-file errors. Despite this, my verified disputes were either ignored, delayed, or verified through automated e-OSCAR responses rather than actual investigation. 

Pattern of Inaccurate Reporting Across Bureaus After careful comparison of all three reports, I found numerous accounts showing conflicting data between the bureaus, in direct violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and Metro 2 compliance rules : XXXX XXXX XXXX ) shows as current and open with no past due balance, yet still carries late payment and derogatory codes. This violates Metro 2 rules because open accounts marked current can not display late payment history. 

XXXX XXXX XXXX XXXX ( XXXX ) reported as closed and paid in full but still coded as delinquent. Once a loan is paid and closed, no late payment or negative code should exist. 

XXXX XXXX ( XXXX ) reported as current with {$0.00} past due, but shows false late payment history and inconsistent Date Opened and Date Last Active fields across all bureaus. 

XXXX ( XXXX ) reported as open and current but carries multiple late payments. The balance and high credit amounts differ between Equifax and Experian, violating uniform Metro 2 data integrity requirements. 

XXXX XXXX XXXX ( XXXX ) reported as current and open with a {$0.00} balance, but still includes negative coding that is factually and procedurally impossible.

These accounts are being reported with material inconsistencies such as mismatched Date Opened, Date of Last Payment, and High Credit fields. These are key data points that must match across all repositories under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). Each inconsistency demonstrates the bureaus failure to maintain accurate data or to perform a reasonable investigation under 1681i ( a ) ( 1 ) ( A ).


Billing Law and Procedural Violations Each of the above accounts also falls under the billing protections outlined in TILA 15 U.S.C. 1666 ( b ). The creditors failed to provide notice at least 21 days before payment due dates, yet late payments were still reported. This constitutes a billing error. Additionally, per subsection ( 4 ), they failed to properly reflect payments made, and under subsection ( 5 ), they committed computation or accounting errors in my statements. I have requested proof of payment application and notice delivery, yet none has been provided. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information, and under 1681s-2 ( b ), they must correct and delete unverifiable data after being notified of a consumer dispute. The continued publication of these inaccuracies violates both statutes. Data Breach and Emotional Impact As confirmed in the Equifax Data Breach Settlement documentation and XXXX XXXX XXXX XXXX search results ( see pages 23 of my Equifax package ), my personal identifiersincluding my Social Security numberwere exposed. This means the bureaus were on notice that my data required heightened verification. Instead, they ignored those risk factors and continued to recycle unverifiable data, amplifying the harm.

These actions have caused me direct harm, including : Credit denials and higher interest rates due to false delinquencies.

Loss of housing and employment opportunities from inaccurate background screenings.

Emotional distress and reputational damage, knowing the data being shared about me is false.

Company response to consumer: Closed with non-monetary relief