Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
Complaint Title : Inaccurate and Duplicative Reporting of XXXX Accounts Violation of FCRA, Metro 2, and U.S. Code To : Consumer Financial Protection Bureau ( CFPB ) cc : Equifax Information Services LLC cc : TransUnion LLC From : [ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, XXXX, ZIP ] XXXX, Michigan XXXX [ Phone Number ] XXXX [ Email Address ] XXXX [ Date ] XX/XX/XXXX -- - Complaint Summary : I am submitting this formal complaint against Equifax and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Guidelines, and related provisions of U.S. Code Title 15.

The following accounts are being reported on my credit file : Equifax is reporting : XXXX XXXX Account ending in XXXX TransUnion is reporting XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX These accounts appear to stem from the same original creditor ( XXXX ), yet they are being reported differently and inconsistently between the credit bureaus. This raises red flags regarding duplicative entries, conflicting data, and lack of synchronization, all in violation of : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed information 15 U.S. Code 45 Deceptive practices Metro 2 Guidelines Prohibits duplicative or contradictory trade line entries Additionally, both bureaus are continuing to report charge-offs monthly, which is inaccurate and misleading. A charge-off is a one-time accounting action and not a recurring delinquency. This practice constitutes re-aging, which violates : FCRA 1681c ( a ) ( 4 ) / ( 5 ) Reporting obsolete information Metro 2 Reporting Standard Charge-off should be reported only once and should not be updated monthly as a new derogatory event -- - DEMAND FOR RESOLUTION : 1. Immediate deletion of the XXXX account 2. Cessation of repeated and unlawful re-reporting of charge-offs.

3. A full description of the reinvestigation procedure performed under FCRA 1681i ( a ) ( 7 ), including : Method of verification Identity of the person or party contacted Any original account documentation used to substantiate reporting 4. Correction of all inaccurate entries and proper implementation of Metro 2 guidelines. 




-- - DAMAGES AND ACCOUNTABILITY : Should this issue remain unresolved, I intend to pursue statutory damages under : FCRA 1681n Willful noncompliance ( {$1000.00} per violation ) FCRA 1681o Negligent noncompliance These violations are negatively affecting my credit rating and causing tangible harm. I expect this issue to be resolved within 15 calendar days, or I will escalate to legal action. 


-- - Sincerely, [ Your Full Name ] XXXX XXXX XXXX ( last four digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : [ MM/DD/YYYY ] XX/XX/XXXX Attachments : Copy of credit report showing disputed accounts Proof of identity and residence Highlighted sections of inaccurate reporting There is evidence of the inaccurate information enclosed I recently became aware that Equifax was sued by the CFPB and has to pay {$15.00} million dollars for failing to properly to investigate and Trans Union {$25.00} million dollars. I have provided documents.. 
Furthermore, I respectfully request this dispute not be handled using automated system or generic templates. I should not receive stall letter or generic verification response especially " Verified '' digitally without any manual review. I am requesting that Equifax and Trans Union conduct a full and thorough investigation into the disputed information, as required by federal law.

Company response to consumer: Closed with explanation