Consumer complaint received 2025-12-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Request for Regulatory Intervention Inaccurate, Unverifiable, and Non-Compliant Credit Reporting by TransUnion, Equifax, Experian, and Associated Furnishers To Whom It May Concern : I am submitting this formal written dispute to request immediate review and enforcement action regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and Metro 2 CRRG standards by TransUnion, Equifax, Experian, and several furnishers. These violations have resulted in credit denials, reputational harm, and the ongoing reporting of inaccurate and unverifiable information. 

This letter supplements my complaint previously filed through the CFPB system. I am including expanded details and documentation to ensure full regulatory review. 

SUMMARY OF ISSUES Between XX/XX/XXXX and XX/XX/XXXX, the three major credit bureaus and multiple furnishers have reported information that is : Inaccurate Incomplete Unverifiable Misleading Duplicated NonMetro-2 compliant Inconsistent across bureaus Unsupported by contractual records In violation of FCRA 607 ( b ), 611 ( a ), and 1681e ( b ) These errors contributed to multiple adverse actions and denials, including a XXXX  XXXX denial on XX/XX/XXXX, which falsely cited too many delinquent XXXX  XXXX obligations when no such XXXX  XXXX accounts exist anywhere on my credit file. 

XXXX. TRANSUNION, EQUIFAX, AND EXPERIAN SYSTEMIC FCRA VIOLATIONS All three bureaus are reporting : Missing DOFD Missing payment history Incorrect account statuses Conflicting dates across bureaus Improper charge-off and repossession coding Duplicated tradelines Incorrect personal identifiers Unverified balances Reinserted information without notice These issues violate FCRA 1681e ( b ) and FCRA 611 ( a ) ( failure to assure maximum accuracy and failure to properly reinvestigate ). 

XXXX. XXXX XXXX XXXX FALSE / CONFLICTING REPOSSESSION DATA XXXX reports : Charge-off Repossession Redeemed repossession Payment history gaps Missing DOFD Inconsistent ECOA coding Contradictory remark codes Balance amounts that do not match reported statuses These conflicts make the account unverifiable under Metro 2 and must be corrected or deleted. 

XXXX. XXXX INACCURATE REPOSSESSION REPORTING XXXX  is reporting : In repossession and closed at the same time Missing DOFD Missing payment history data Duplicated remarks Inconsistent balance histories This violates Metro 2 CRRG and FCRA 607 ( b ). 

XXXX. XXXX  DUPLICATE ACCOUNTS + FALSE DELINQUENCY XXXX  is reporting : One closed account One open account Alleged late payments XXXX does not report late payments in this manner and the existence of two different XXXX accounts is duplicative and misleading. This is harming my credit standing. 

I request deletion of : The duplicate XXXX account All false delinquencies Any unverifiable data XXXX. XXXX XXXX SERIOUS METRO 2 FAILURES XXXX reports : XXXX days late Missing DOFD Missing payment history Past-due amounts that do not match the balance No dispute indicator This data is unverifiable and must be removed. 

XXXX. XXXX XXXX XXXX XXXX XXXX ERRORS Violations include : No original account number No DOFD No contract date No last payment date Incorrect dispute coding This constitutes incomplete and unverifiable reporting. 

XXXX. XXXX XXXX INVALID/UNVERIFIED COLLECTION NOTICE I received a message stating : Hi XXXX, this is XXXX XXXX, a collection agency Attached is the Model Validation Notice However : No notice was attached No original creditor was listed No validation information was received No debt matches my credit report This qualifies as improper collection conduct and inaccurate reporting exposure. 

XXXX. INCORRECT PERSONAL INFORMATION / MIXED FILE My file contains : Incorrect names Incorrect addresses Incorrect employers Identity elements that do not belong to me This violates FCRA 607 ( b ). 

XXXX. HARD INQUIRY ISSUES Some inquiries are : Unauthorized Incorrectly coded as hard Duplicated Not tied to an application Unverifiable These inquiries must be investigated and removed. 

XXXX. ECOA VIOLATION XXXX  XXXX ADVERSE ACTION NOTICE XXXX XXXX denied me credit citing : Too many delinquent XXXX  XXXX obligations. 

This statement is false. 
XXXX XXXX : Has not identified any such obligations Has not provided verification Can not reference any actual account Issued an incomplete adverse action notice This violates : ECOA 12 CFR 1002.9 ( b ) ( 2 ) 15 U.S.C. 1691 ( d ) XXXX XXXX relied on inaccurate bureau data and provided no factual basis for the denial. 

REQUESTED ACTIONS FROM THE CFPB I request that the CFPB require : A. TransUnion, Equifax, and Experian to : 1. Conduct a full FCRA-compliant reinvestigation XXXX. Provide documented verification of every reported field XXXX. Remove all inaccurate, incomplete, unverifiable, or duplicated data XXXX. Correct personal identifying information XXXX. Remove unauthorized or unverifiable inquiries XXXX. Provide written results of all reinvestigations XXXX. All Furnishers to : XXXX. Provide XXXX verification records XXXX. Provide complete documentation supporting each tradeline XXXX. Provide DOFD, payment history, and contractual documentation XXXX. Correct or delete any unverifiable data XXXX. Remove duplicate or conflicting tradelines XXXX XXXX XXXX to : XXXX. Identify the alleged delinquent obligations referenced XXXX. Provide verification and underwriting basis XXXX. Re-evaluate the denial using corrected and accurate credit information CONCLUSION The repeated inaccuracies, failure to verify information, and failure to correct known errors are causing real harm and constitute violations of federal law. I request the CFPBs immediate intervention to ensure compliance and the correction or deletion of all disputed information. 

Thank you for your attention to this matter. 
I am prepared to provide additional documentation upon request. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation