Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
I am submitting this CFPB complaint based on my most recent three bureau dispute letters and the documented failures that followed a prior CFPB complaint regarding the same accounts. This is not a duplicate complaint. It is based on new post dispute conduct continued verification failures and unresolved Metro2 violations that occurred after the previous CFPB case was closed.

In my most recent disputes I challenged late payment reporting on two Department of Education XXXX accounts that are open and active. These disputes were detailed and evidence based. I did not simply state that the information was wrong. I identified specific Metro2 field level conflicts across Equifax Experian and TransUnion that make the late payment reporting legally unverifiable. 

Across all three credit bureaus the same XXXX accounts are reported with materially different balances past due amounts payment statuses delinquency severities dates last active dates of last payment and number of months terms. One bureau reports XXXX XXXX XXXX days delinquent while another reports XXXX XXXX XXXX days delinquent for the same time period. Balances and past due amounts do not match. Activity dates do not align. An account can not have multiple contradictory delinquency timelines and still be accurate. 

These inconsistencies were clearly outlined in my dispute letters. Despite this clear notice the credit bureaus continued to report the late payment remarks and claimed verification without producing any documentation or explanation of how these conflicts were resolved. 

The prior CFPB complaint already exposed serious problems. Equifax admitted to modifying multiple historical fields including past due actual payment balance and account history while still closing the complaint without deleting the late payments. That admission alone confirms the data was not accurate at the time it was reported. Experian acknowledged potential fraud concerns while continuing to publish the same derogatory data. TransUnion attempted to avoid investigation by claiming a dispute authorization issue rather than addressing the substance of the inaccuracies. 

After that CFPB complaint closed I submitted new dispute letters identifying ongoing and newly verified inconsistencies. This triggered a new legal duty to reinvestigate. Instead of conducting a lawful reasonable reinvestigation the bureaus relied on automated furnisher responses and generic explanations. No original billing statements no complete account level payment histories no transaction posting records and no reconciliation of cross bureau discrepancies were provided.

Late payment reporting is one of the most damaging factors in FICO scoring. The continued reporting of inaccurate late payment data on open educational accounts has suppressed my credit scores increased my cost of credit and caused ongoing financial and emotional stress. I have repeatedly acted in good faith to resolve these issues. The credit bureaus have repeatedly failed to meet their obligations under federal law.

Company response to consumer: Closed with non-monetary relief