Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX regarding their failure to report my XXXXXXXX XXXX XXXX  account ( previously XXXX, now XXXX ) to Equifax, despite claiming to report to all three major credit bureaus ( Equifax, XXXX XXXX XXXX XXXX 

According to my Equifax credit report, the last reported activity from XXXX XXXX was XX/XX/XXXX, XXXX with the transition of my account from the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since then, XXXX XXXX has not reported any data to Equifax, making my credit file incomplete and inaccurate. 

When I contacted XXXX XXXX customer service, they insisted they are reporting and advised me to send a formal letter along with my credit report, which I did on XX/XX/XXXX, by mail. This included : A letter requesting XXXX XXXX resume reporting to Equifax, and A full credit report from XXXX, showing the missing tradeline. 
As of this filing, XXXX XXXX has still not resumed reporting to Equifax, in violation of its advertised service terms and contrary to the rights afforded to me under federal law. 

Relevant Violations : Unfair and Deceptive Practices By stating that they report to all three bureaus but failing to report to Equifax, XXXX XXXX is engaging in deceptive and misleading practices, violating the Consumer Financial Protection Act of 2010, specifically 12 U.S.C. 5531, which prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

Inaccurate and Incomplete Credit Reporting Credit furnishers are required to provide complete and accurate information to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Failing to report an active
tradeline to one bureau while reporting it to others creates a materially incomplete and misleading consumer credit profile. 
Failure to Investigate a Dispute If XXXX XXXX maintains that they are reporting but evidence shows otherwise, and they fail to investigate and correct the discrepancy after being notified in writing, this constitutes a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation after receiving notice of a dispute. 
Requested Resolution : Immediate and retroactive reporting of my XXXX account and payment history to Equifax, to reflect continuity from the original XXXX tradeline ; A written confirmation from XXXX XXXX acknowledging the correction and confirming that future activity will be consistently reported to all three credit bureaus, including Equifax ; A clear explanation of why reporting ceased to Equifax during the account transition ; If XXXX XXXX can not or will not resume reporting to Equifax, I request a written admission of that fact, as this materially impacted my ability to build and maintain credit based on their public representations. 
Consumers rely on the integrity of credit reporting systems and on financial institutions to follow through with their stated obligations. This situation has resulted in credit harm and lost financial opportunities, and XXXX XXXX must be held accountable.

Company response to consumer: Closed with explanation