Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
" I am filing this complaint due to multiple inaccuracies and unverifiable information on my credit reports from Equifax, Experian, and TransUnion. These errors are severely impacting my credit. 
I have already disputed these inaccuracies directly with all three credit bureaus via certified mail on XX/XX/XXXX. Despite these direct disputes, my reports themselves contain remarks indicating the information is 'disputed by consumer, ' yet the inaccurate data persists. This clearly shows these bureaus have ignored my requests and failed to uphold their obligations, violating FCRA 611 ( a ) ( 5 ) and FCRA 607 ( b ) which require maximum accuracy and deletion of unverifiable information. 
Specifically, I am disputing the following : XXXX XXXX  XXXX XXXX ( Collection ) : This account ( balance {$1100.00} ) is reported as a collection. It's explicitly marked as disputed by me on their report, but the original creditor/full ownership chain is not consistently or completely provided across reports. They were aware of my dispute yet failed to verify this, violating FCRA 609 ( a ) ( 1 ) regarding my right to disclosure and rendering it unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX ( Collection ) : This account ( balance {$860.00} ) is also reported as a collection and explicitly marked as disputed by me on their report. The 'Date Major Delinquency 1st Reported ' ( Equifax XXXX XX/XX/XXXX ) is inaccurate, as the account had a delinquency in XXXX. This misrepresentation artificially extends the negative impact, violating FCRA 605 ( a ) regarding reporting limits. They acknowledged my dispute but did not correct this. 

XXXX XXXXS ( Charged-Off ) : This account ( balance {$1400.00} ) is charged off. The 'Date Major Delinquency 1st Reported ' ( Equifax XXXX XX/XX/XXXX ) is definitively false for an account opened XX/XX/XXXX and charged off in XXXX. This misrepresentation violates FCRA 605 ( a ) by improperly extending the reporting period. There's also a discrepancy between the original balance ( {$1100.00} ) and the charged-off amount ( {$1400.00} ), violating FCRA 607 ( b ) regarding accuracy. The estimated removal date ( TransUnion, XX/XX/XXXX ) is questionable based on the true first delinquency ( XX/XX/XXXX ). They have clearly ignored my previous disputes on this. 

* XXXX XXXX ( Charged-Off ) : This account ( balance {$1000.00} ) is charged off on Equifax, but is completely absent from my Experian and TransUnion reports , making it unverifiable and violating FCRA 611 ( a ) ( 5 ). It shows a contradictory " {$0.00} Charge Off Amount ' with a balance, which is fundamentally inaccurate, violating FCRA 607 ( b ). The inaccurate 'Date Major Delinquency 1st Reported ' ( XX/XX/XXXX ) for a XXXX delinquency further violates FCRA 605 ( a ). 

XXXX XXXXXXXX ( Charged-Off ) : This account ( balance {$0.00}, {$350.00} written off ) is reported as 'Account charged off/Never late ' by Experian, which is a direct contradiction and therefore fundamentally inaccurate, violating FCRA 607 ( b ). The original balance ( {$400.00} ) also conflicts with the written-off amount. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( Charged-Off - Paid ) : This account ( balance {$0.00}, {$480.00} written off ) is paid in full ( paid XX/XX/XXXX ), but it continues to reflect a 'Charge-off ' status and derogatory marks ( e.g., 30-150 days late, CO ) in its payment history. This misrepresents the account 's resolution and violates FCRA 607 ( b ) requiring accurate reporting of account status. They were aware of my dispute yet did not correct this. ''

Company response to consumer: Closed with explanation